Zillow Advice: Refinance - Subordination in Process for 2nd Mortgage Loan http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ Zillow Advice | Zillow Real Estate My lender said i can't bring ... http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ My <a href="http://www.zillow.com/directory/lenders/">lender</a> said i can't bring over the second and combine with the first under the <a href="http://www.zillow.com/mortgage-glossary/Fannie-Mae/">Fannie Mae</a> Refi + Program Wed, 08 Jul 2009 13:53:00 GMT http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ 2009-07-08T13:53:00Z I already have the process ... http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ I already have the process rolling with RMC Vanguard and did my appraisal through them. Right now i was quoted yesterday at 4.375 for a <a href="http://www.zillow.com/5-1_ARM_Mortgage_Rates/">5/1 ARM</a>. I have a 30 now but no way my wife and i will be in townhome that long, should i see if rates are going lower before i lock? Wed, 08 Jul 2009 13:51:00 GMT http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ 2009-07-08T13:51:00Z Tiger. The short answer is ... http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ Tiger. The short answer is no. That 2nd belongs to CITI and you cannot just bring it over. <br/><br/>I feel your pain with CITI and that subordination. It took me almost 90 days to do a subordination with CITI and they counter offered it at that.<br/><br/>If I were you I would try to get the lowest rate possible and <a href="http://www.zillow.com/refinance/">refinance</a> them both together. CITI is probably going to give you a hard time on your subordination request because you already did not go with them on the refi in the first place. <br/><br/>Give me a call and I can give you a free proposal. Good luck to you and God Bless!<br/><br/>[self-promotional post, removed by moderator] Wed, 08 Jul 2009 10:32:00 GMT http://www.zillow.com/advice-thread/Subordination-in-Process-for-2nd-Mortgage-Loan/252871/ 2009-07-08T10:32:00Z