I understood what you were saying. A year from now your car will possibly be worth 15-20% less than it is now more miles-- more interest, and wear and tear plays apart in that, which will cause you to be more upside down. Do what works best for you. Banks go bay Kelley Blue Book value, so you may want to try that to see what it is really worth.
Call mortgage lenders that you will possibly want to use for financing and ask them about it, everything else is speculation.
As we have all seen on here all banks have their own policies. What one company may accept another one will not. When/if you refi your car it will say transfered to another lender, so they (the mortgage company) will know that you just didn't just get a new car.
Good luck.
