I refinanced in March of 2011. At that time, I subordinated (sp?) my HELOC with Chase. I paid $250 to do so. I want to refi again, when applying for a refi, do i include the heloc in my new refi request? I know that if i include the HELOC, my LTV is too high. If I exclude it, will I have to pay Chase again for another subordination? Thanks for your help!