Zillow Advice: Refinance - 80/20 conventional to va 100% refi http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ Zillow Advice | Zillow Real Estate If you go to my profile page ... http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ If you go to my profile page and send me an email, I will be happy to help you with converting the existing 2 liens into 1 VA loan, up to 100% LTV. Subject to income / credit qualifying.&nbsp; &nbsp; Thu, 06 Dec 2012 13:42:00 GMT http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ 2012-12-06T13:42:00Z No I guess how the loan was ... http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ No I guess how the loan was written. If only paying the interest only payment it added interest back on top since no principal was being paid down...negative amatrized payment or something like that. I dont get how it works. I guess that what made it subprime!! :/ Thu, 06 Dec 2012 13:26:00 GMT http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ 2012-12-06T13:26:00Z You mentioned you are currently ... http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ You mentioned you are currently "negative on the first loan," which I assume means you recently made a late payment on the mortgage, but please correct me if I'm wrong.<br/><br/>If no late payments (30 days past due) have been reported on the primary lien within the last 12 months, then I can help substantially reduce your monthly payment. Your husband's disability rating helps qualify you for a better interest rate that you wouldn't otherwise qualify for without the 10% rating.<br/><br/>If you'd like to communicate directly, shoot me an e-mail at <em>[deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]</em><br/><br/>I'm glad to help. Thu, 06 Dec 2012 06:02:00 GMT http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ 2012-12-06T06:02:00Z Yes, same time for the purschase ... http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ Yes, same time for the purschase of the home in 2007. Thu, 06 Dec 2012 05:01:00 GMT http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ 2012-12-06T05:01:00Z So the 2nd mortgage was taken ... http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ So the 2nd mortgage was taken out with the first for the purchase? Thu, 06 Dec 2012 01:06:00 GMT http://www.zillow.com/advice-thread/80-20-conventional-to-va-100-refi/470509/ 2012-12-06T01:06:00Z