What is the highest Loan to Value for REFI these ddays?

Great question! Your best bet for loan to value is doing a rate and term refinance on a military loan which you can still do up to100%. You can also still do 90% on a cash out VA loan. If you are not qaulified for this type of loan then FHA would be your next best bet. You can get up to 97.75% LTV on a rate and term refinance including second mortgages with the proper seasoning. You can do an FHA cash out loan up to 85% LTV. There are two other programs that allow you to go up to 105% LTV. Fannie Mae DU refi plus and Freddie Mac Open Access. In order to be allowed to take advanatge of these programs you must be currently in a loan owned by freddie mac and or fannie mae. You must not have ever had any type of PMI which includes lender paid PMI on your exsiting loan and you cannot refinance a second mortgage. Let me know if you need any further assistance.

Greetings Saleem! Good answers below. I would add that on the 105% LTV Fannie Mae DU or Freddie Mac Open Access loans you 'can' re-subordinate a 2nd mortgage to a new refinance if the 2nd mortgage company is agreeable to that.I have successfully accomplished this, although it did take some patience ;-).Candace