WHat is the highest LTV for the best refi rates? IS 95% still good?

You can go up to 97.5% on an FHA loan. Yes the rates are better than Conventional loans <80%. You can also check with Fannie Mae and Freddie Mac, their website, to see if your home is owned by one of them. If not, you can do FHA up to 97.5%. My name is Rich, If you want anything else, please email me at rconstantine@myhsoa.com or call 714-299-5807. I can explain more in detail. I lend in all States. Hope this helps! RC

Hi Sean,For a no cash out refinance 95% conventional loans, 97.75% FHA loans, and even 100% USDA loans may be available. If your current loan is an FHA loan you may be eligible for a refinance without an appraisal which will take the LTV (loan to value) out of the equation. If you do not currently have an FHA loan and you think you will have LTV issues when you refinance you can also Google "Does Fannie Mae own my loan" and "Does Freddie Mac own my loan" to see if Fannie Mae or Freddie Mac owns your current loan, if they do you may be eligible to do a refinance either without an appraisal or with a higher than normally allowed LTV without mortgage insurance. Your current lender / servicer or your bank likely will not have access to all of the currently available programs however a good local mortgage broker that works with investors that sell to both Fannie and Freddie can save you a lot of work and quickly point you in the right direction. Good luck! Corey Seitz corey_seitz@excelfg.comwww.bestcoloradomortgage.com

Yes 95% ltv is still good. Call me with your scenario, I am a wholesale lender but I can refer you to one of our retail reps. Alex-213-739-4332

As mentioned 95% LTV is available...though by your question...conventional could offer better rates depending on your LTV...best is to have a mortgage consultation and loan comparison to analyze your best options. Feel free to contact me at 877-369-4319

Hi SeanFHA allows up to 97.75% in some states. I have access to programs that do not even require an appraisal, so value may not be an issue. Call me if you have any other questions or concerns. I am able to lend in 47 states.Patrick McCarthy, Northpointe Bank, 866-901-3576

It all really depends on your Credit Scores? Give me a call and I can pull some rates for you based on your credit and LTV. This is the best way to get an accurate quote. And yes rates are still good at 95%

For the best rate 60% LTV or less with a 740 FICO Credit Score. You can go up to 105% with a DU Refi Plus.Happy funding, Rudi