if I don't include my second mortgage, can I avoid paying mortgage insurance if my LTV is below 80%?My first is due to adjust. I only want to refi my first and it will be below 80 LTV of the house if I don't include my 2nd mortgage. My goal is to avoid paying mortgage insurance. Is this possible?November 26 2009 - Fullerton00YesReport 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.