Zillow Advice: Refinance - Refi options? http://www.zillow.com/advice-thread/Refi-options/507656/ Zillow Advice | Zillow Real Estate What is your first mortgage ... http://www.zillow.com/advice-thread/Refi-options/507656/ What is your first mortgage balance and is the mortgage owned by Fannie Mae?&nbsp; Perhaps you can refinance the first and subordinate the second mortgage to avoid having to bring 10% or more of the value of your home to closing.&nbsp;Please private message me to&nbsp;discuss in detail.&nbsp; Thu, 29 Aug 2013 20:58:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-29T20:58:00Z what's a typical rate/apr ... http://www.zillow.com/advice-thread/Refi-options/507656/ what's a typical rate/apr in today's market for the 90% loans you have responded with? what kind of closing costs? Wed, 28 Aug 2013 19:40:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-28T19:40:00Z I am able to go up to 90% ... http://www.zillow.com/advice-thread/Refi-options/507656/ I am able to go up to 90% on a Jumbo&nbsp;without mortgage insurance.&nbsp; You should be able to be added to the loan. You do not have to work with your current lender. Please feel free to contact me through my profile if you would like my help. Tue, 27 Aug 2013 18:51:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-27T18:51:00Z 90% LTV without mortgage ... http://www.zillow.com/advice-thread/Refi-options/507656/ <p class="MsoNormal">90% LTV without mortgage insurance. Would you be able to bring any cash to close if the appraisal came in lower than expected?</p> Tue, 20 Aug 2013 18:44:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-20T18:44:00Z This would be considered ... http://www.zillow.com/advice-thread/Refi-options/507656/ This would be considered a refinance, not a purchase.&nbsp; Since you are married it wouldn't be an issue to add your name to the title and put you on the new loan.&nbsp; <br/><br/>If your credit scores are good, I could finance up to 90% LTV for a jumbo loan without any mortgage insurance.&nbsp; <br/><br/>Please feel free to contact me through my profile if you wish to discuss further. Tue, 20 Aug 2013 17:45:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-20T17:45:00Z Typicall on a REFI, lenders ... http://www.zillow.com/advice-thread/Refi-options/507656/ Typicall on a REFI, lenders looks at a 75% LTV, but there are special programs out there. &nbsp;You and your wife could REFI and change title at the same time but I would talk to a good lender for direction there.<br/><br/>You do not have to work with your existing lender to do this, but I would check with them to see if they can offer you a streamlined REFI or any other incentive to keep the new loan with them.<br/><br/>Good Luck! Mon, 19 Aug 2013 22:50:00 GMT http://www.zillow.com/advice-thread/Refi-options/507656/ 2013-08-19T22:50:00Z