If you have a second mortgage and have tried to subordinate* it and refinance your first mortgage, you may have run into issues. Many of the customer service agents that do the loans at larger banks do not know the intricacies of subordination requirements. I have a very good working knowledge of the second lien finance market and have a very good success rate with subordinations.
*subordination of a second mortgage means to leave the second lien alone and just refinance the first mortgage.
*subordination of a second mortgage means to leave the second lien alone and just refinance the first mortgage.