I have a 1.30% negative am loan, I need to leave, so I must now 650,000.00 on my first and my second, my question is, if I can get a loan, not a negative am loan and my payments are 2450.00, including my taxes? Even if I must be able to take only the interest on the loan itself of the first 3-5 years or more, while my wife and I would be better off financially and can refinance into something fixed. My house is worth about 750,000, so I do little more equal, and they had a negative am loan is about 2 1 / 2 years. I have been borrowed by the tree and put a mortgage calculator and information, and it highlights the different scenarios, and we did not pay 2450.00 Is it realistic? I pay property tax 8200.00 one year.