Do we have any options in todays market?1st Mtg $208,000.00 5.5% Fixed, VA Loan w/ Chase2nd Mtg $75,000.00 7.5% Fixed, with Wells Fargo.Our Zestimate is approximately $169,000We are about 1/2 way through a Chapter 13 though we've NEVER been late on ANY of our bills. We are gainfully employed and have been for years. Is there any option in the scenario mentioned for some kind of a refi or rate modification. I understand about LTV's but I would think lenders would rather renegotiate / refi people in our situation than have them walk away. It seems all the "programs" you hear about go to those who eventually default anyway. Very frustrating.June 14 2011 - Mesa00YesReport 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.