Over my head on my home loanHello, I currently owe at the least $15,000 more than what it is worth. I have a ARM at 6.5% which expires in 2 years and a second fixed 30 yr loan at 9.5%. Does anyone know how I can go about refinancing? I have already contacted the lender and they won't do a loan modification. I really need to lock into a 30 yer fix loan and lower my monthly payment.December 30 2008 - Camas00YesReport 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.