Scott Sorin, firstname.lastname@example.org, 901.202.5974 ext 4302
Has any lender given you a scenario where you pay off some of that debt through the refinance? Check and see if that is possible. The lending market is tight these days. We are still dealing with the aftermath of the "Mortgage Meltdown" of 2007. Banks are dealing with too many Foreclosures and they are just much stricter than before. Don't give up until you have spoken to a few people.