4 Tips for Refinancing Your Mortgage - SmartMoney.com
May 29, 2012 . There has never been a better time to refinance your mortgage. . more than 105 % of the home's value unless they already service the loan.
http://www.smartmoney.com/spend/real-estate/4-tips-for-refinancing-your-mortgage-1338327867041/
Home Affordable Refinance Program (HARP)
Aug 17, 2012 . If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, . HARP refinance loans require a loan application and underwriting process, .
http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx
A Consumer's Guide to Mortgage Refinancings
Aug 27, 2008 . When you refinance, you pay off your existing mortgage and create a new . If the loan-to-value (LTV) ratio does not fall within their lending .
http://www.federalreserve.gov/pubs/refinancings/default.htm
How to Refinance a Mortgage Explained by Bank of America
If you're wondering how to refinance your mortgage, the steps will feel familiar to you from . Type of home and property value; Type of loan you want; Personal .
https://www8.bankofamerica.com/home-loans/learning-center/process/getting-a-refinance-loan.go
Originator and Holder
Home Affordable Refinance Program - Wikipedia, the free ...
In this scenario, the loan-to-value ratio would be 120%, and if the homeowner chose to refinance, he would also have to pay for private mortgage insurance.
http://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
Expanded LTV and TLTV Ratios - Freddie Mac
See chart below for LTV/TLTV/HTLTV ratios and other requirements for a "no cash-out" refinance of a mortgage currently owned or securitized by Freddie Mac.
http://www.freddiemac.com/sell/factsheets/ltv_tltv.htm
4 Steps to Refinance Your Mortgage - Bankrate.com
Mar 25, 2009 . See if you can refinance your mortgage. . You need to calculate the loan-to- value ratio. . How loan length and interest rate affect mortgage .
http://www.bankrate.com/finance/mortgages/4-steps-to-refinance-your-mortgage.aspx
How Loan-to-Value (LTV) Determines Your ... - Mortgage Refinance
Understanding how the loan-to-value (LTV) ratio plays into mortgage lending is an important principle for all borrowers to understand. The loan-to-value ratio is .
http://www.mortgagerefinance.com/Mortgage-Basics/Loan-To-Value-LTV/207
U.S. Bank Smart Refinance | Home Mortgage | U.S. Bank
If you owe less than $150,000 on your mortgage and want to refinance, . first position mortgage refinances $40,000 to $250,000 with loan-to-value of 70% or .
http://www.usbank.com/redirectcentral.cfm?redirectid=9228
Vendor and Lender
Obama's Mortgage Refinancing Program May Be Expanded ...
Jun 19, 2009 . June 19 (Bloomberg) -- Fannie Mae and Freddie Mac may get permission to begin refinancing mortgages with loan-to-value ratios above 105 .
http://www.bloomberg.com/apps/news?pid=newsarchive&sid=avAvJacs7UcU
Qualify for Refinance - Qualify to Refinance Mortgage
Another factor that contributes to whether you can qualify for a mortgage refinance is your loan-to value (LTV) ratio. To calculate your loan-to-value ratio, divide .
http://www.lendingtree.com/mortgage-refinance/advice/refinance-basics/qualifying-to-refinance/
Home Affordable Refinance
Information regarding Home Affordable Refinance, a critical part of Fannie Mae's role in . Our solutions provide mortgage refinances with no limits on LTV, and .
http://www.efanniemae.com/sf/mha/mharefi/
Mortgage Advice > 83% LTV refinance
Feb 8, 2011 . I currently have a mortgage with 83% LTV on my home and I need to refinance before the home value falls any lower. Any ideas of how to do .
https://www.lender411.com/mortgage-advice/83-ltv-refinance/1115/
How to get the Best Cash-Out Refinance Loan | Mortgage Loan ...
Tips and resources for understanding cash-out refinance mortgage loans, and . The loan-to-value (LTV) limits on cash-out refinance loans are much lower than .
http://www.dignitymortgage.com/mortgage-loan-refinance/how-to-get-the-best-cash-out-refinance-loan/
Relief Refinance Mortgages – Open Access - Freddie Mac
A portion of this offering, mortgages with loan-to-value (LTV) ratios greater than . Flexibility in the use of refinance proceeds depending on the LTV ratio of the .
http://www.freddiemac.com/sell/factsheets/relief_refi_open_access.html
How does my home equity affect my mortgage interest rate
Today, while homeowners can still refinance up to 95% of the value of their home , the rates and mortgage insurance costs for loans with LTVs over 80% have .
http://www.totalmortgage.com/home-refinance/lower-mortgage-payment/how-does-home-equity-affect-mortgage-rates.asp
Licensing Creditors
How do I calculate my loan-to-value ratio (LTV)?: Mortgage Center ...
Your loan-to-value ratio (LTV) is simply the amount you are borrowing divided by the value of the subject property you are purchasing or refinancing. This gives .
http://loan.yahoo.com/m/faq4.html
HARP 2 : The Current HARP Mortgage Refinance Guidelines (Fall ...
Why does my bank say I'm limited to 105% LTV with my HARP refinance? I want a fixed-rate loan. Not all banks are honoring the HARP 2.0 mortgage guidelines .
http://themortgagereports.com/259/harp-making-home-affordable-guidelines
Credit Reports
VA Loan: A Top Benefit for Military Service Members - Quicken Loans
4 days ago . VA Loan. Refinance 100% of your home's value or buy a home with no . Our exclusive online tools like MyQL let you track your mortgage .
http://www.quickenloans.com/home-loans/va-loan
Home Equity Loan Refinance - Home Equity Mortgage ... - PNC Bank
A lower cost solution to refinance a mortgage; A fast, easy process to . At PNC, the maximum allowable LTV for the Home Equity Rapid Refinance Loan is .
https://www.pnc.com/webapp/unsec/Blank.do?siteArea=/pnccorp/pnc/home/personal/loans/home+equity/home+equity+rapid+refinance
Can I Refinance if My Home Value Is Less Than the Loan Value ...
According to survey data from RealtyTrac, 59 percent of mortgage holders ... . the value of your property and your loan, refinancing might be a viable option.
http://homeguides.sfgate.com/can-refinance-home-value-less-loan-value-9486.html
Mortgage Loan-to-Value Calculator
You can compute loan-to-value for first and second mortgages. . to refinance under the Home Affordable Refinancing plan, the loan-to-value ratio is important.
http://www.bankrate.com/calculators/mortgages/ltv-loan-to-value-ratio-calculator.aspx
125% LTV Home Equity Loans Loan Expo Mortgage Lenders: 125 ...
Jul 29, 2008 . Conventional loans, Jumbo, FHA and VA loans. Streamline refinancing. 100% LTV first mortgage loan program. Special loan programs .
http://www.loanexpo.com/
HARP 2.0 Program Eligibility Guidelines and Calculator to Check ...
Includes eligibility guidelines and mortgage refinance resources. . 2011 for borrowers with a loan-to-value ratio of less than 125 percent and in the first quarter .
http://www.zillow.com/mortgage-calculator/harp-eligibility/
Why Are More Loans Not Being Refinanced? - Mortgage Professor
mortgage refinancing, Fannie Mae, Freddie Mac, HARP program, refinancing decision, refinance, . There Should Be No Maximum LTV on the HARP Program .
http://www.mtgprofessor.com/A%20-%20Refinance/Why%20Are%20More%20Loans%20Not%20Being%20Refinanced.html
LTV - Loan to Value - Goodmortgage.com
Explanation on what is LTV in goodmortgage.com Mortgage School. . When refinancing, the appraised value is used for the value portion of the Loan to Value .
http://www.goodmortgage.com/Learn/Terms/LTV.html
Want to Refinance Your Mortgage? Home Loan-to-Value Ratio May ...
Jun 22, 2009 . BREAKING NEWS JULY 1, 2009: FHFA just issued a press release announcing that homeowners would be able to refinance their mortgages .
http://www.cbsnews.com/8301-505145_162-37140592/want-to-refinance-your-mortgage-home-loan-to-value-ratio-may-climb-to-125-percent/
Chase Mortgage Refinance | Competitive Home Loan Refinancing ...
Chase Mortgage Refinance - Refinancing your mortgage can be a smart . Chase offers competitive Home Loan Refinancing Rates. . Home Value Estimator .
https://www.chase.com/online/Home-Refinance/mortgage-refinancing.htm
Refinance rental property with 80-85% LTV? - Zillow Mortgage Advice
Feb 12, 2012 . Does anybody have any suggestions for trying to refinance a rental property ( single family home) in Southern California with an 80-85% LTV?
http://www.zillow.com/advice-thread/Refinance-rental-property-with-80-85-LTV/431747/
Harp 2.0 Refinance Program - Eligibility ... - Mortgage Rates
Jun 26, 2012 . Now you can refinance your 150% LTV home mortgage, but what if your payments jump from $1,500 a month to $2,000 a month. Wasn't this .
http://www.lender411.com/harp-20-program-eligibility-guideline/
Mortgage Refinance at 115% LTV - Zillow Mortgage Advice
Aug 30, 2011 . Currently we have a LTV of about 115%. Are there any realistic options to refinance with a lower interest rate then we obtained about 4 years .
http://www.zillow.com/advice-thread/Mortgage-Refinance-at-115-LTV/413758/
Cash-Out Refinance | The Truth About Mortgage.com
When refinancing, if a borrower elects to take “cash out” in addition to their existing loan, the new mortgage balance will be larger than the original. That's right .
http://www.thetruthaboutmortgage.com/cash-out-refinance/
Refinance: Find a Mortgage That Fits Your Needs - Quicken Loans
Refinance your home today to get the best rates in decades! . If LTV > 80%, PMI will be added to your monthly mortgage payment, with the exception of .
http://www.quickenloans.com/refinance
95% LTV Refinance Question - Zillow Mortgage Advice
Mar 24, 2012 . I have three products with Wells Fargo, but they will not consolidate or refinance due to the high LTV. I have a primary mortgage of $356,000, .
http://www.zillow.com/advice-thread/95-LTV-Refinance-Question/436480/
Navy Federal Credit Union: Home Affordable Refinance Program
You have not previously refinanced your first mortgage loan under HARP. Your first mortgage . You owe more than the value of your home. Your first mortgage .
https://www.navyfederal.org/products-services/loans/mortgage/home-affordable-programs.php
First Mortgage Equity Loans - Low-Cost Home Refinancing & Debt ...
. Loan. It's a convenient, low-cost way to refinance your first mortgage. . Mortgage insurance is not required, regardless of the loan-to-value ratio of your loan.
https://www.huntington.com/pas/HNB1740.htm
How to Refinance with 90%LTV (PMI, loan, approved, scores ...
Oct 26, 2010 . I tried to refi and the appraisal came back low. My current 30yr fxd is with BofA and we tried to refi with them through a broker. The appraisal .
http://www.city-data.com/forum/mortgages/1116104-how-refinance-90-ltv-pmi-loan.html
Citibank - Servicing - Mortgage Refinance - Special Mortgage ...
Citibank features mortgage refinance information, mortgage financing rates, Fixed Rate Mortgages and Adjustable Rate Mortgages (ARMs). . Start your application for a home loan by completing this simple form. . Estimated Property Value .
https://www.citimortgage.com/Mortgage/displayRefinanceLanding.do
MORE OPTIONS AVAILABLE FOR OUR NATION'S VETERANS
Veterans who wish to refinance their subprime or conventional mortgage may now do so for up to 100 percent of the value of the property. These types of loans .
http://www.benefits.va.gov/homeloans/docs/home_loan_enhancements.pdf
85% LTV refinancing on loan up to 2 mil - Zillow Mortgage Advice
Jan 14, 2012 . Refinance in San Francisco, CA - Are there any lenders out there that provide ...
http://www.zillow.com/advice-thread/85-LTV-refinancing-on-loan-up-to-2-mil/428793/
Section B. Maximum Mortgage Amounts on No Cash Out ... - HUD
The maximum mortgage for a no cash out refinance with an appraisal (credit qualifying) is the lesser of the. • 97.75% Loan-To-Value (LTV) factor applied to the .
http://portal.hud.gov/hudportal/documents/huddoc?id=4155-1_3_secB.pdf
FHFA Extends High LTV Refinance Program ... - Mortgage News Daily
FHFA Extends High LTV Refinance Program into 2011. Mar 1 2010, 3:22PM. Homeowners who hope to refinance existing mortgages that are "underwater" just .
http://www.mortgagenewsdaily.com/03012010_harp_fhfa.asp
Loan-to-Value Ratio (LTV) - Mortgage Glossary - Quicken Loans
Loan-to-Value Ratio (LTV) definition from the mortgage glossary at QuickenLoans.com. Learn mortgage terms and jargon with the Quicken Loans Mortgage .
http://www.quickenloans.com/mortgage-glossary/loan-to-value-ratio-ltv
Want to refinance? Know the details
Want to refinance? Know the details. By Holden Lewis • Bankrate.com. Highlights . Loan-to-value ratio was raised to 125 percent in June. Mortgage companies .
http://www.bankrate.com/finance/mortgages/want-to-refinance-know-the-details-1.aspx
Credit Discrimination
How to jump over 3 refinance hurdles - NASDAQ.com
Aug 15, 2012 . A higher LTV won't preclude refinancing, but you'll probably have to purchase mortgage insurance, which protects the lender's interest if you .
http://community.nasdaq.com/News/2012-08/how-to-jump-over-3-refinance-hurdles.aspx?storyid=164299
Mortgage Rates - Today's Home Loan Rates and Trends | Zillow
Get today's mortgage rates and free personalized loan quotes from reputable lenders. . Cash-out refinancing means you refinance your mortgage for more than is . To calculate the value of your real estate assets,use the fair market value .
http://www.zillow.com/mortgage-rates/
Hope and Frustration in New US Effort to Help Homeowners
May 25, 2012 . Have You Tried to Refinance Your Underwater Mortgage? . Another told him that his “loan-to-value ratio” was too high — that is, the loan .
http://www.nytimes.com/2012/05/26/your-money/mortgages/harp-2-0-stirs-hope-and-frustration-for-homeowners.html?pagewanted=all
Home Affordable Refinance Program | HARP Program
Home Affordable Refinance Program Key Benefits. Unlimited loan-to-value ratio. No equity needed! Lower mortgage rates due to reduced pricing adjustments .
http://www.homeaffordablerefinanceprogram.net/
Help for Homeowners – Refinance – Wells Fargo
Refinancing your mortgage could put you in a better financial position to help you . value (or appraised value) of a home, minus any outstanding loan amounts.
https://www.wellsfargo.com/homeassist/refinance
State Employees' Credit Union - Adjustable Rate Mortgages (ARM)
The Credit Union offers unique Adjustable Rate Mortgage (ARM) products, 2- Year . Initial Rate for -year terms with 80% loan-to-value ( % APR2) Calculate . rate to the current initial rate for new mortgages are invited to refinance their loan .
https://www.ncsecu.org/Mortgages/AdjustableMortgage.html
FHA Requirements: Mortgage Insurance - Fha.com
Note: SF forward mortgages with amortization terms of 15 years or less, and a loan to value ratio of 78% or less, remain exempt from the Annual MIP ( Mortgagee .
http://www.fha.com/fha_requirements_mortgage_insurance.cfm
Which lender will refi me at 90% LTV? - Zillow Mortgage Advice
Mar 14, 2012 . Are there any lenders who can refinance my house if my loan falls below 80% LTV? I am under the water I believe. Thanks for helping! Totoni .
http://www.zillow.com/advice-thread/Which-lender-will-refi-me-at-90-LTV/435228/
Home Refinancing | Refinancing a Mortgage is Easy With Home ...
. need to apply. Refinance your mortgage and enjoy low closing costs . Offer available on first lien refinances only; loan to value not to exceed 80%. Subject to .
https://www.53.com/site/personal-banking/equity-line-loans/easy-home-refinance.html
Home Mortgage Loans – State Farm Bank®
Fixed-rate and adjustable rate mortgage loans to meet your home financing needs. Overview; Fixed-Rate Mortgages; Adjustable Rate Mortgages; Refinance .
http://www.statefarm.com/bank/loans/mortgage.asp
VA Cash Out Refinance Information - VA Mortgage Center.com
Cash-Out your conventional mortgage with VA Mortgage Center.com. . Free up cash - Up to 100% of your current LTV! In order . Cash Out VA Loan Refinance .
http://www.vamortgagecenter.com/cashout.htm
Second Mortgage, 2nd Mortgage Loan, Refinance Second - Zillow
There are two types of second mortgages: home equity loans and home equity lines of credit . It also depends on your loan-to-value ratio and credit score.
http://www.zillow.com/mortgage/help/Second-Mortgage.htm
Enhanced Execution Opportunities for Relief Refinance Mortgages ...
May 15, 2012 . A portion of our Relief Refinance Mortgage offering, mortgages with loan-to-value (LTV) ratios greater than 80 percent, represents our business .
http://www.freddiemac.com/singlefamily/news/2012/0515_execution.html
FHA Loans, FHA Mortgage, FHA Loan Refinance Rates - Zillow
What they do is insure loans so that lenders can offer mortgage assistance to people . It is based on a borrower's loan-to-value (LTV) ratio and length of loan.
http://www.zillow.com/fha-loan/
Mortgage Rates: See Our Current Mortgage Rates - Quicken Loans
It's never been a better time to refinance or purchase - Call (800) 251-9080 or . If LTV > 80%, PMI will be added to your monthly mortgage payment, with the .
http://www.quickenloans.com/mortgage-rates
Further readings
Frequently Asked Questions About The H.A.R.P. Program
Is there a maximum loan-to-value (LTV) ratio for HARP? I have both a first lien and a second lien mortgage. Do I still qualify for a refinance under HARP?
http://harpprogram.org/faq.php
HARP - Federal Housing Finance Agency
Oct 24, 2011 . The current loan-to-value (LTV) ratio must be greater than 80%. •. The borrower must be current on the mortgage at the time of the refinance, .
http://www.fhfa.gov/webfiles/22721/HARP_release_102411_Final.pdf
Rate-and-Term Refinance inc - HUD
Loan-to-Value and Combined Loan-to-Value Mortgage Amount Calculation Comparison . Streamlined Refinance (FHA-to-FHA) WITHOUT Appraisal .
http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_19736.doc
Refinance a Vacation Home or Second Home - Total Mortgage ...
There are no refinance options available for second homes where the LTV is over 80% because mortgage insurance companies are not offering coverage for .
http://www.totalmortgage.com/home-refinance/lower-mortgage-payment/refinance-vacation-home-or-second-home.asp
Factors That Influence Your Refinance Rate | Bankrate.com
Apr 10, 2012 . The rate in the ad isn't necessarily the rate you get when you refinance. A low credit score and high loan-to-value will push up the mortgage .
http://www.bankrate.com/finance/refinance/factors-influence-refinance-rate.aspx
Loan-to-Value and Combined Loan-to-Value Mortgage Amount ...
Loan-to-Value and Combined Loan-to-Value Mortgage Amount Calculation Comparison. Criteria. Rate-and-Term Refinance. (Conventional-to-FHA or .
http://www.nclc.org/images/pdf/foreclosure_mortgage/loan_mod/hope/lmp_hope_refinance_transactions_attachment.pdf
Low Mortgage Rates But Can't Refinance Because I'm Upside Down
If your lender says yes then what happens is that they forgive you of a great deal of your mortgage so you can get refinanced at a 90% loan to value.
http://qna.mortgagenewsdaily.com/questions/low-mortgage-rates-but-can-t-refinance-because-i-m-upside-down
Cross-references
international investment underwriting dermot desmond; loan words japanese.