Im being denied a modification loan because I have a 1st lien with the SBA of 12,000.Advice?I submitted the application about 6 months ago and was told that because the SBA were 1st lien holder, I was unable to be approved...The SBA loan is $12,000. and my payments to them are current.Can BOTH the SBA and my mortgage be combined so I can get the modification loan?June 17 2010 - Sugarloaf Key00YesReport 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.