You can go FHA up to 97.5% of the value. There are some factors to consider before making this decision. I lend in all States. Get a quote from a coulpe people and call it a day. Hope this helps. RC

Please give me a call at 954-496-5351. We are Direct Lenders and should be able to do this quickly. Thanks.

Do have an FHA motgage if you give me a call 4076221660 i am in florida.

We have a loan program that would refinance you up to 100% but it will just have to be a Fannie Mae loan. I can check for you if your property is a Fannie Mae loan. If that is the case then we can combine those two loans together to become one with an excellent rate.My name is Ana and I am a senior loan officer for First USA Home Loan. Please call me today for a free consultation and I can look at your property to determine if your property is qualify for this program. It is no obligation.1-877-472-9887 or avichaidist@firstusahomeloans.com

That shouldn't be a problem. The only issue you could have there is when you took out the second mortgage. As long as its over a year ago then you would qualify for an FHA loan. I would think you should be able to find something in the 4.75% range with 0 points. Good luck.

Amy,It depends on when the 2nd mortgage was taken out. Can you offer some clarification on this please? You can contact me directly at 704-200-9810.Kevyn Wagner

Wow, sell, sell, sell - forget about what's good for the consumer!Why exactly do you want to combine the two loans? Did you take out both loans at the time you bought the home? (ie, did you ever take equity out of the property?). If you are looking to combine the two to reduce the rate, you may be disappointed in the savings if you go FHA, due to the MIP. If you desire to combine the two in order to take advantage of the lower rates, you very well could do better keeping them as two mortgages and refinance doing an 80/15/5. Many will tell you these loans do not exist or impossible to find, but I can prove them wrong.