How do I go about refinancing an 80/20 interest only loan combo for a property that still has a 100% LTV?

I am looking to refinance my home loans. I purchased my condo with an 80/20 interest only loan a year or so ago. In about a year, my first position loan will start adjusting. Seeing as how rates are fairly low, I think it would be wise for me to refinance before too long. I've just recently been told that banks... show more I am looking to refinance my home loans. I purchased my condo with an 80/20 interest only loan a year or so ago. In about a year, my first position loan will start adjusting. Seeing as how rates are fairly low, I think it would be wise for me to refinance before too long. I've just recently been told that banks will no longer sell 100% LTV loans. How screwed am I? Is there any way for me to refinance?
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