Current Mortgage Rates 90/10 refinance with the latest cuts?

My home is worth about 0,000 and I have first loan with 0,000 at 5.75% and a 2nd at 7.5% for ,000. I would like to combine those into a single loan and with the latest cuts, can I hit the 5.75% on a 90% home to value loan without paying a boat-load in closing [...] http://bit.ly/mPp2fu