What are my modification or refinance options without my second lender subordination?My husband and I purchased our home at the end of 2006. Our primary mortgage is an ARM and our second mortgage is a 10% fixed rate. About a year and a half ago we tried to refinance our primary mortgage into an FHA. After months of being assured we were approved our second mortgage lender backed out last minute saying they couldnt subordinate since they didnt hold our original paperwork. I have also attempted to modify our primary mortgage by contacting the lender but they said we didnt qualify since our debt-income ratio is too high. We are almost a month behind on our primary mortgage payment but it has not affected our credit yet. Is there any new legislation encouraging subordination or should I keep attempting to work with my primary lender on a modifcation?? Any advice would be appreciated. August 26 2010 - Lynn00YesReport 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.