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Typically, it is not difficult to find a lender to combine the two mortgages unless the combined total exceeds your property's value. During the past decade, second-mortgage lenders have been lending up to 125% of a property's value. For those borrowers it is often necessary to "bring money to the table" (add cash to reduce the balance) when they refinance or sell.
If you do not owe more than the property's value it can be helpful to contact a mortgage broker who has access to many different programs. Mortgage brokers are able to work around blemished credit and lower credit scores easier than a conventional bank. Be certain to verify that you are not over-paying with added fees or interest rate to make up for credit issues. If the cost is too high it is often better to sell your home and repurchase a home that provides comfortable payments.