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Refinancing when you have an existing 2nd Financial or HELOC When you are refinancing most of your financial and you have a keen present next home loan or HELOC (domestic security personal line of credit), the brand new financial will require to stay-in very first lien condition. That it boils down to that very first dibs into the a house in the event of a property foreclosure. Lien updates will depend on new day the loan is actually submitted. When you refinance very first mortgage and you’ve got a preexisting next home loan, the new financial gets a tracking day …