If a homeowner has a first mortgage and a second mortgage, and would like to refinance the first mortgage at different terms, can this be accomplished - does the existing second mortgage put a monkey-wrench in refinancing the first?

Our broker from a couple years ago on a refinance said our second mortgage wasn’t an actual second mortgage but a personal line of credit, so they refinanced us for the full value of the house. They did not contact the second mortgage company about this and never got them to agree to be the second mortgage to the first company’s refinance.
How do I find out if the second mortgage IS a second mortgage and isn’t the broker supposed to make sure everything is legit?

I have qualified for a bill consolidation loan which will give me a second mortgage plus cash out and pay off my credit cards making one payment and I could really use the cash to start a business.

Me and my husband just put a bid on a home in colorado, then the day before closing, the title company ‘found’ a second mortgage. Now we are waiting for them to settle it? In the mean time we are staying in a hotel, because are lease expired and are looking into renting again. How long is this going to take, and how did the seller not know about a second before it went to auction?

Our home had two mortgages. It foreclosed a year ago, but the second mortgage is open. We believe that bankruptcy is the only way out of it but does anyone know any other way out of it? We don’t know any details of how much the first mortgage got for the home and why the second didn’t foreclose. By-the way, the home was in VA.
Thanks for your responses.

I’m planning to relocate, but current owe a mortgage for $50k. I also have a bankruptcy on my record thats a couple of years old. I’d like to find new home in the state I choose to live in. Would I be able to get a second mortgage or refinance my current home in order to pay for a new one?

I am trying to help my client refi his first mortgage, but in order to do that I have to subordinate his second mortgage. The lender that I’m trying to sub is Chase. Any help would be greatly appreciated.

If not, can someone explain how a second mortgage works in laymans terms? Can I take out a second mortgage if I haven’t had my house that long?

What kinda of recourse do the lenders have? Is it different between the first and second mortgage?
If the second also went into foreclosure, and the bank took the house, can the lender of the second mortgage still come after repayment through lawsuit or wage garnishment, etc? The house resold for less than the original loan amount of the first so there were no proceeds from the sale to cover any of the second.

I am financing a pool and was told by the lender that a refinance and a second mortgage are the same thing. Is that correct?