Zillow Advice: Refinance - How does appraisal and lower LTV affect lender credit? http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ Zillow Advice | Zillow Real Estate If your credit is excellent ... http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ If your credit is excellent the amount of the lender credit will remain the same.  The pricing for a 86% LTV and 76% LTV loan is the same.  The obvious benefit for you is not having to address mortgage insurance in any way.  How was that being handled.  If there was some sort of single premium or LPMI to avoid monthly payments, you should receive that benefit. Fri, 09 Nov 2012 20:07:00 GMT http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ 2012-11-09T20:07:00Z If the LTV is at 75% or below, ... http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ If the LTV is at 75% or below, the pricing would increase by a .25pt or $387. Sat, 10 Nov 2012 01:08:00 GMT http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ 2012-11-10T01:08:00Z ryanoasis, one of your other ... http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ ryanoasis, one of your other threads says you have a 760 score, the lender credit should be identical on the 86 and 76 LTV. If your score had been 660 then the lender credit would actually be bigger on the 86 LTV than the 76 LTV.  Sat, 10 Nov 2012 01:02:00 GMT http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ 2012-11-10T01:02:00Z Right I understand the not ... http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ Right I understand the not paying mortgage insurance benefit. But there is a point where LTV will affect your lender credit? Just not in this case I guess. Fri, 09 Nov 2012 21:46:00 GMT http://www.zillow.com/advice-thread/How-does-appraisal-and-lower-LTV-affect-lender-credit/467932/ 2012-11-09T21:46:00Z