Where to refinance with LTV of 90% and good/excellent credit

Fannie / Freddie won't work if your loan was after June 1st, 2009. There are lenders out there that will do rate & term refinance at 90%, but you will have to pay PMI in some form... either upfront or monthly.. if you want to know for sure you should contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

We should be able to qualify you under the HARP 2.0 program, therefore you will not need to pay MI again. Give me a call today, I should be able to help you. 888-320-7888 - www.MortgageWholesale.net - Ken

There are a couple options that will allow you to refinance with no PMI. Give me a call and with a little more info from you we can immediately determine what rate is possible with no PMI. Mark 800-485-1387 Extension 107.

Look for a local mortgage broker. They'll know who is and is not giving the best rates and service, right now. Some of the lenders that are heavily refinancing the HARP programs and FHA Streamlines will be extremely slow, and, honestly, some of the best rates for someone like you are found with a few specific lenders who just do good credit conventional loans like this; you probably wouldn't have access to them unless you work with a broker, actually. Since you don't qualify for HARP 2, plan on paying some kind of MI again. A good lender will work out your best options, though.

Some great answers here, but the best way to find out your best options is to work with a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options 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 888-889-9950