4.0 OR LESS

There are several lenders out there right now that fill the bill. Unfortunately, I'm in AZ and do not lend in FL. Contact a local Mortgage Banker /Broker. DON'T use one of the big banks and DON'T use one of the big national Mortgage factories. A good, local Mortgage Banker/Broker is Trained, Tested and Licensed in all aspects of Mortgage Origination. They will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, They are trained to take a look at the various different options and / or lenders available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

We lend in FL and have unlimited loan to value ratio for Fannie Mae and Freddie Mac. Give me a call I can help you. 888-320-7888 - www.MortgageWholesale.net - Ken

There are lenders out there who have unlimited loan to value, but don't know if 4.0 is available or not.. and if anyone tells you yes without looking at your complete scenario, they're probably lying... it's like asking a car salesman if you're getting a good deal... he will always reply "Yes"... Freddie and Fannie loans are priced differently, because they are insured differently... also, how much of the fees are you willing to pay to get the lowest rate.. there's just too many subjective variances that can change the entire quote... Best advice I can give is to contact a LOCAL mortgage broker, not the banks and certainly not one of those 50 states or internet lenders.. the broker has access to numerous lenders not just one, and can find the lowest rates and fees for your particular scenario... WilliamAcres.com

We only lend in florida and have multiple banks that will lend the HARP 2.0 product with unlimited ltv. Please call me to go over your information and we can get you prequalified. Feel free to call me at anytime.Marc Asaad407-221-9531Home 1st Lending

Your request is reasonable depending on the application profile. I would contact a mortgage broker if you are looking for the best deal. Don't shop yourself to death. For every increase of .125% you will pay an extra $14 a month roughly. I only Lend in Florida!