This answer to this deepnds on how much equity you currently have in the house. Have you made any additional payments. The reason is simple. If the house has declined in value you may owe more than the house is worth. This is the risk you take with 100% financing. When trying to refinance you will need to get another appraisal conducted. If there is not enough equity to borrow against, you are going to have a problem getting a refinanced second mortgage.

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