Rate/Term Refi at 95%.

I have a client that has a first a 12% and a second at 18% through Conseco.  Conseco did a cltv of a 115%.  I am trying to do a r/t refi at a good rate.  I can’t get it done because of the cltv.  I am onlying doing the first at 95%.  Have the second subordinate.  Any help?