1st mtg balance 202k, current value 215k. 2nd mtg charged off, 90k three yrs ago. we're trying to lower our 1st. to be able to stay in the home. We can't afford to build in a high payoff, the payment will go much higher than we can afford now. we need to lower it to stay. without a lower payment on the balance of the first we may soon have to walk away. The first will not refinance with the lien if the 2nd mtg. lien is not released. Not sure what to do at this point?