Best bet would be to refinance the first and second mortgage into one loan at a lower rate. Chances are if you're paying a rate that high on your second mortgage, you can get a much lower overall payment with the two of them combined, perhaps even at a lower term so you're not stretched back out to a 30 year term. Give me a call when you get the chance and I'll be glad to discuss your options with you.
Look for to your call!
Senior Loan Officer
2701 N Rocky Point Dr, Tampa, FL 33607
Take time to contact one and have a conversation with them. A mortgage broker has to be licensed in the State of Florida to be of assistance to you.
Brock Realty Inc.