Refinancing a 2nd mortage.

[Ineedhelp2]

I have a good first mortgage but have a second mortgage that has an outrageous interest rate and the contract is over in about 2.5 years, so I have to find another loan anyway.

How does this work while in chapter 13? Can I find a new lender? If I get some extra cash, can I apply it to the loan, or will that be looked as proceeds which should go to creditors?

[workinghard]

If you do find a lender who is willing to refi you, the loan has to be approved thru the court.

The thing is, with second mortgages they often don't want to refi just that loan they will want to consolidate both and you might be hard to get a decent rate...