What bank in ca will refi my house upside down with little or no down payment?

Belle
As most homes in CA mine is upside down, no one wants to refinance it and I don't have late payments or low income to qualify for any special programs, I'm stuck but I want to refinance to join 1st & 2nd loans, add taxes & insurance... Anyone know of anyone??? I'm deperate, ready to pull out my hair or just stop making payments! (but I don't want to ruin my credit)

Mamie
call your lender and try the new government bail out. if you have a job you may qualify for it. if you made payments on time call your lender if they dont want to look up housing help on yahoo or google and there are places in your area that can help you..Acorn housing is one dont know if they are in your area? things will get better take a deep breath then call your bank..

Charla
No dice.Upside down means you owe more than it's worth and the appraisal will show that.The only thing you can do is wait for the housing market to go back up and try then.Also, no one will refinance with no money down, but the good news is they will tack that money to the loan if applicable.