Jeff, did you read the first five responses?
Trulia does not have separate small profile categories ( on the question page) for agents and loan officers. We all "Real Estate Pros' by Trulia classification; one would have to click on the full profile page to see if a "pro" was an agent, an LO, an investor, a hybrid, or something else.
Click the profiles of the first five posters to view their full profiles. It will help you decide how to create your own profile.
Otherwise a good first post, I look forward to seeing more.
You would also have to bring in all the cash for the loan fees, credit report, appraisal, title and escrow. At least another $3,000. - But to get the lowest interest rate your upfront loan fees would be even higher.
If by 100% you mean you want a lender to refinance the entirety of both balances, and roll the cost of refinancing in to the loan, I would have to agree with Rick and Elizabeth.
That would be 105% financing, at least. A "bait and switch" lender might offer to do it, but I don't think it is possible to do for real. .
Personally, I think your rates are pretty good for the type of financing you received. :)