I owe more then it's worth.I bought this small house 2 years ago with no money down and took out 2 loans, both with high rates.The bank won't lower my rates because I have good credit score and I'm not behind on payments. The one draw back is I owe more then it's worth.I would like combine the 2 loans and lower my rate without spending much money.How can I do this or am I asking to much.March 25 2009 - Largo0YesReport 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.