about 3 or 4 years ago, I had to do a modification on my loan for wells fargo. at the end of the modification, they did an 80 20 loan, which I had no idea of or what it would consist of. Now I have a second mortgage with PNC bank that has been 30,000 for the 30 years of the loan. I have been trying to get the 2 merged for years. and today, call PNC to at least try to get the 8.75% rate down. They said that in 2022 a balloon payment of 24,182 will be needed to be paid in full - I had one attorney say that if they could look at my paperwork and I hired them... for money I obviously did not have.. they could clear the whole loan!!! Now, here I am trying to get everything right.. what do I need to do??? do I need to walk away from the house??