Find Mortgage Refinancing Right for You

Find the Mortgage Refinancing Program That is Right for You

Mortgage Refinancing Program Table
Allowable
Home Use
Max Loan to Value (LTV)Max Loan
Amount
Minimum
Credit Score
Max Debt to Income (DTI)Monthly
Mortgage
Insurance
HARPPrimary

Second

Investment

Rate/Term: Unlimited

Cash-out: NA

$625,500

FHA County
Loan Limits

NAFannie-65%

Freddie-NA

No, unless existing mortgage has it
Conventional RefinancePrimary

Second

Investment

Rate/Term: 95%

Cash-out: 80%

$417,00062045%Yes, over 80%
Conventional High Balance Refinance*Primary

Second

Investment

Rate/Term: 90%

Cash-out: 75%

$625,000

County Loan Limits

Rate/term-620

Cash out-640

45%Yes, over 80%
FHA RefinancePrimaryRate/term -97.5%

Cash out -85%

$271,050 – $625,000

FHA County

Loan Limits

58047/57Yes
VA RefinancePrimary100%$625,500 (more – case by case)

VA CountyLoan Limits

60043% (Higher with compensating factors)No
USDA RefinancePrimaryRate/term – 100%

Cash out – NA

$417,00062029/41%Yes
Jumbo Portfolio RefinancePrimary

Second

Investment

55% – 80%$3,000,000Rate/term-620

Cash out-640

50%No
Reverse MortgagePrimaryVariesVariesNANAYes