Is there a program out there that will allow MHA applicants to refiance both 1st & 2nd mortgages?I am recently divorced. My children & I remain in the house, ex is still on the note. I applied for a modification and found out I can't include my existing HEL in the refi. I am almost positive I will be over 100% LTV since both loans were originated in 2005. I can't continue to pay both under the terms of the notes, the payments are too high. My ex is now unemployed- so I get minimal child support...ANY suggestions?? My credit has also been demolished because when he left- he stopped paying everything! I tried to keep up but when you have to decide- credit card or groceries- it's tough!! I have no more unsecured debt- I paid it all/settled some.Thank you!!March 31 2011 - US0YesReport 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.