What to expect to pay in closing on a refi & at what interest rate?

lindsay asked:


I want to refinance to get low interest on a 2nd mortgage I have. I owe 36K on the first & 48K on the second. My first mortgage has a fixed rate of 5.5 but the second is fixed at 7.65. Both loans are with the same mortage co. & I would like to keep it that way if possible…by the way our credit scores are just over 800.

Brenda
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