LTV is 277% on my second home. Refi is not possible any chance for loan modificaiton?Have good credit as of now and never late on payments. Since I am so under water, what are my options?April 01 2009 - Kissimmee00YesReport 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.