re: Current Mortgage Rates

When I moved back to La, we bought our new house before we sold our old house... so we ended up with two mortgages. Now there are no good deals on jumbo mortgages. I have 18 left on a 20 year at 3.25 and 9 left on a 15 year at 3.5. The 20 year was originally a 30 year that I refinanced from 4.5. I think I want to refinance to one giant 15 year, so would a lender, who won’t give me a jumbo, just let me refinance both to a 15 year (so I’d have two loans still, both at Like 2.75%)?

Also, my wife and I are physicians... I know they have physician loans, but usually those are for like 5% down. Would they give us a break since we have stable jobs and incomes, and maybe give us a good jumbo?