Fifteen years ago, we got a bank mortgage on our house to make improvements that the house badly needed. We decided that we wanted to try for a VA streamline refinance loan. When we went to the lender to talk to someone about it, we found that the bank would have to subordinate their loan. in order to get a VA refinance, they must be the only loan on the home. The bank wasn’t happy but they understood and finally agreed. The second mortgage through the bank was incorporated into my new loan so that everyone would be happy in the end. We were the most happy because our rate went way down.