I came across this site while desperately searching for help on refinancing my high interest second mortgage of 29%. 1 month earlier I approached my bank and was declined, I received calls from brokers and 2 weeks later I was able to get a refinance my entire 1st and 2nd mortgage from the same Bank that declined me. My broker was able to prove to them that my house was worth way more than they initially thought which brought the loan-to-value from 95% down to 68%, I went from paying 3.00% on my 1st mortgage and 29% on the 2nd to now paying 2.59% altogether. I can’t thank you guys enough for all you are doing for people like me.