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The lender that you are working with was hoping that the appraisal would come back higher because my guess is that you took out the second mortgage after you bought the home. If that is the case the maximum LTV would be 85%. If that is not the case you should be able to combine the two loans because the loan now is a rate/term refinance. The maximum LTV is 97%. In this case the HARP program would be best for you considering if your loan is a rate/term refinance because now the loan would require mortgage insurance. Ask a few lenders what rates are for a HARP loan here.
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For Sale: $220,000
For Sale: $334,900
For Sale: $97,900