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Originally Posted by mariec99
It is at 9.9%.
Autoxer -- is it possible to refince just the HELOC and not your regular mortgage, too, at the same time?
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Yes, you can just refinance the LOC. Keep in mind, if you refinance it with a fixed HEL, then you may have a higher minimum payment, because that requires you to pay more of the principal, where a LOC may have an interest only option. With excellent credit, you may be able to get a rate that is 1 - 3% lower, but it may not be worthwhile after you factor in closing costs.