We have a conv loan, first at 168,900, second 47,790 appraised last yr for 193,000.

Your loan scenario is doable if your loan was committed to Fannie Mae prior to May 31st, 2009.. You could do a HARP 2.0 refinance, and lower the rate on your first mortgage.. You will not be able to roll in the 2nd.. HARP loans are fully qualifying loans, so you would need good credit, sufficient income and provide supporting documentation for income and assets.... 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

Its all based on your credit score. If you would like to meet at my office at 8888 Keystone Crossing, Ste 900, Indianapolis IN 46240 or Call me we can discuss your different loan options. My number is 317 713 9533.

Unfortunately a reverse mortgage would not work here.

Call me 260.402.1920

I would love to have the opportunity to earn your trust and your business, please call me @ 260.402.1920

Would need a few more details about income, credit score and value but should not be a problem at least refinancing your Fannie Mae owned first while resubordinating your 2nd. My pleasure to help and earn your business. (303) 532-4364 or ned.doty@everbank.com Thank you, Ned

William's Assessment is accurate. If you qaulify for HARP there would no limy on the combined loan to value ratio. We are licensesd in all 50 states and have great rates and low fees. We are also the top rated lender on this site. Click on the image at left to contact me

William at Velocity answered well. I am licensed in both Indiana as well as Michigan. I would love to help you but check me out first. My website is www.LechelMortgage.com and my LinkedIn page is: http://www.linkedin.com/profile/view?id=83544012&trk=hb_tab_pro_topI have information on the program that I can email you so just drop me an email at Larry@LechelMortgage.com

The only other thing that may come up as an issue is the 2nd mortgage lender has to be willing to re-subordinate.

This is doable. We would make a new first loan amount of about 170,000 and subordinate the 2nd lien. We would do this under the Harp 2.0. The 2nd mortgage would have to be willing to accept the Subordination at that level. Most 2nd mortgage lenders will not like the fact of going to the 15 year instead of the 30 year. They would want the lower monthly payment to insure the 2nd gets paid. We can do your loan in 30 days. We are a lender in CA. Feel free to call any time.Sincerely,Christopher Nelson BeardPacific One Lending and Real EstateSecured Marketing Concepts Corporation888-733-4224 X 103 (Toll Free)310-351-9441 (Cell)714-617-1988 (Direct)800-377-1538 (Fax) cbeard@pacific1lending.comwww.pacific1lending.com