Can we refinance our 2nd home in Bluffton, SC that is underwater?We have a condo in Bluffton, SC that is underwater. We rent the condo on an annual lease basis. We have excellent credit, and never been late on a payment. Loan is through BOA and is not owned by Freddie or Fannie. Do we have ANY refinance options to lower our payments? BOA said they aren't refinancing any 2nd home loans. Wells Fargo said they can't help us because it's underwater and doesn't qualify through HARP. July 24 2012 - Bluffton00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.