Do you have to pay off a HELOC (Home Equity Line of Credit) when refinancing thru FHA?

It is up to the lender that has the HELOC, whether they will allow a another mortgage to supercede it. Many times, they will as long as the new first mortgage does not significantly increase from the previous. For best information on this, contact the servicer of your HELOC and they can tell you whether they will subordinate or not to a new first lien.

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