I have two mortgage loans, one at 5.75 on which I owe about 43600 at 5.75% and one I owe about 43600 at 6%. I want to refi and pull some cash out between $20,000 and $25,000. My credit scores are in 790's wife's in 770's. Any thoughts on what rates I might be able to get? Current rate being offered by local bank is at 5.5% for fifteen year. Homes have been selling for $240,000 to $260,000 in my area, so even a $110,000 loan would be well under 50%, even assuming some downturn