If you have two mortgages on your home can you refinance even though the mortgage is more than the house is appraised for?

With regards to your question, you can refinance the property however, you will have to come to the closing table with enough cash to make the lenders whole (ie. Pay off the balance due). If your first and second mortgage balances are greater than the appraised value of the property, then the assumption is that the value of the property has dropped.

If the difference is not too large, perhaps there are factors within your control that can help you increase the value. Please keep in mind that it is the holder of the second mortgage that is at greater risk of loss than the holder of the first. Depending upon the specifics of your situation, perhaps there is some negotiating room to get creative with your situation.

A conversation with an experienced mortgage broker in your area might prove to be useful.

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