If it appraised for Zillow's "estimate" of $83,240 and you wanted to consolidate your loans as one principal mortgage, then you'd have to bring in about $144,000 !
But your new mortgage would only be about $66,000 (80% of the $83,240).
That may not be the answer you sought; but that's why many upside-down-people can't re-finance.
Dale C. Hittle of GOLDEN RULE PROPERTIES in Glover, Vermont
Where We're Always Striving To Put Together "THE FAIR DEAL"