If the total LTV between the 1st and 2nd liens add up to 100% or less, is there any way to add the 2nd to the first?

Question: If the total LTV between the 1st and 2nd liens add up to 100% or less, if the 1st lien is up to date and the 2nd lien is past due for more than 2 months, is there any way to add the 2nd to the first, even if they are with two different lien holders?

Answer: -NO. You’ll have to refinance. If the property is at 100% LTV already and the lending industry being what it is now plus having a few lates on your credit, chances are it will be very challenging to refinance this property into 1 loan.