Legal Question in Real Estate Law in California

I don't understand the question......maybe some of your terminology is incorrect or not the standard word useage. What exactly are the "mortgage balance," "payoff amount" and "mortgage included in foreclosure"?

Also, answering your question intelligently would probably benefit from knowing where the current market value stands, whether you can make the payments after the proposed refinancing, and a few related things.

Maybe you'll get an answer from one of my colleagues here at LawGuru who can figure out what you're asking, but we'd all be helped if you re-asked your question with more facts and explanation, and also not mentioning the lender involved.

I've practiced in real estate, construction, and secured lending for over twenty years, and I cannot understand your question. Please repost with clearer facts.