Hey, loan guys. I'm not behind on my payments; nor am I have difficulty making my payments. I just finished year 4 of my 5 year no-doc, fixed rate, interest only loan. I want to switch it to a 20-30 year fixed with the same basic no-doc. I now owe what it would appraise for. credit numbers are 800-825. Can you do a 125% fixed rate for me?