I did not get any quotes on my loan request (ZR-PYZWQYQ). Can someone help me figure out why?We bought in 2005 and have a 1st mortgage for $280,359 at 6.875% and a 2nd mortgage for $70,+95 at 8.5% The homes in our neighborhood have recently sold as low as $165,000 throwing our debt to loan value under to the point that we can not get any assistance on refinancing or lowering our rate. Bank of America bought our loan from Country Wide Home Loans and basically tells us they won't help unless we miss multiple payments. This is not only unethical, but risky. We need to lower the rates and the monthly payments. What is the best option for people in our situation? January 01 2010 - Woodbridge00YesReport 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.