Everything is so complicated. We have 2 mortgages and a lien (just found out) on our house. We want to refinance to lower our monthly payments and then get a heloc to do repairs on the house. The house appraised for 750,000. We owe $166,776. @5.75%, 95,[email protected]% (a loan modification) and then the lien for $31,160. That total is $293,407. Is it possible to refinance with this situation?