I did an 80% 1st - 20% 2nd when i bought my condo in 2006

First of all, there is no lender out there willing to refinance 2 loans into one where the LTV will be greater than 100%... With poor credit, high Loan to Value, and a condo.. You won't have a chance no matter where you go... if you could improve your credit, you could do an FHA refinance and combine both loans into one, but you would have to be at 97.75% LTV or lower. You will pay PMI, but you can do it.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

No sorry.