Bought a first home 2 years ago, just before the “thump” occurred, so observably I am a bit upside down on my house. With the loss in justice, I reasonably expect that I will not be able to refinance the entire amount of the house. But, the house was bought using two different lenders, each for a part of the house. When I approach one of the lenders for a refinance, should I expect that I can refinance just their part of the total, or will they expect me to refinance the entire amount just under them?