There is no One Right Answer. See http://umpmfaq.info/faqdb.php?q=86 for
some ideas.

"Anon" <anon[at]123.com> wrote in message news:RO5Rj.559$PY5.510[at]trnddc01...
- quote -

What is the prefered method to document a mortgage refinance? 1st & 2nd
into a new mortgage