自住房loan380k 30fixed 4.25% (from bank 1) But also have a home equity loan of credit 70k on 自住房,(from bank 2) 一开始都在银行2,但是主loan 被卖掉了, 现在想做refinance, can I do that? Or I have to pay off helc to bank 2 and then to do trefi. Thanks