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Go to the Fannie Mae and Freddie Mac websites. Both have search engines to determine whether or not your mortgage is Fannie- or Freddie-owned. Both have Streamline programs to refi loans they are already on the hook for up to 125% LTV, but the lenders won't generally go over 105%. Expect to have to pay mortgage insurance. And you'll need to have decent credit ... generally 640 or better ... and credit does affect rates and pricing.
The right answer it's yes we can go up to 105% LTV depending if you have a fannie mae loan or not without mortgage insurance. If it is not a fannie mae loan I can go up to 97% with mortgage insurance.
Yes- Your best bet would be to determine if you have a Fannie Mae or Freddie Mac mortgage- Call a lender and they can check for you immediately. If the answer is yes, you can refinance with no mortgage insurance and potentially no appraisal. If not, you can easily refi with an FHA mortgage as 90% is more than enough equity.
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