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Can anyone refinance for a Jumbo VA loan that is over the county VA guarantee limit (I have equity)?

riggster
Contributions:5

loan amount $647K
want to roll in my closing costs.
VA guaranty county loan limit is $593K
I have $50K in equity (recently appraised at $702K).
We have 800 credit scores and can provide full doc.

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June 26 2009 - San Diego

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Answers (10)

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riggster
Contributions:5

I'm not currently in a VA...I'm in a conventional. But I do not intend to take cash out.

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June 30 2009

Brian Brady
- 0.0/5.0
Contributions:117

You can most certainly refinance VA to VA if you aren't taking cash-out, regardless of the 2009 loan limit. I've refinanced two already in 2009 above the current county limit

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June 30 2009

Ken Kopper
- 5.0/5.0
- (1 review)
Contributions:1578

2009 VA limits for CA

Unfortunately for you, the limit for SD is $593,750.00.

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June 26 2009

Ken Kopper
- 5.0/5.0
- (1 review)
Contributions:1578

Riggster, you are correct in that VA will allow up to 100% on a refinance from non-VA to VA for both a rate and term and cash out transaction.

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June 26 2009

riggster
Contributions:5

100% LTV

I'm finding that cap with most lenders, but don't understand why that is when the VA allows 100% LTV in refi's.

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June 26 2009

Nic Netherton, "Colorado Lender"
- 0.0/5.0
Contributions:7219

You're going to be capped at 90% loan to value ($631,000) but is doable depending on your eligibility.

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June 26 2009

riggster
Contributions:5

no, I'm in a 7yr ARM...can't do a streamlined.

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June 26 2009

Nic Netherton, "Colorado Lender"
- 0.0/5.0
Contributions:7219

And current loan is already a VA loan?

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June 26 2009

riggster
Contributions:5

San Diego

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June 26 2009

Nic Netherton, "Colorado Lender"
- 0.0/5.0
Contributions:7219

What county are you in?

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June 26 2009

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