Need refi advice--Can't find a lender to help us despite income>$110k and LTV<70%I need help with finding a lender to do a refi in California. Our house is worth about $850k and we have a 1st mortgage with about $370k left to pay at 6.25%, and a 2nd mortgage with about $110k left at 7.25%. So we want to refi, obviously. The issue is that our monthly payments are so high, and my salary has decreased recently, so now we're stretched too thin. We bring home about $6800 net but have $4500 of monthly payments to make. As a result, we have two 30-day lates in the last year on our 1st mortgage. The rest of our credit profile is neither great nor bad; we have no car loans and a few credit card payments, about $750/month. I got one score last week of 620; my wife's is likely higher. We talked to one broker last week who told us that it was the 30-day-lates that disqualified us from being helped by him.Anybody have any advice? Is there any lender who can help us? Or are we stuck in a loop where we need to lower our payments, but we can't because we can't make the payments that we need to lower?March 06 2013 - San Mateo00YesReport 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.