With property values declining in most areas, the ability to do a VA Refinance above 90% of the appraised value can be a challenge.  Most major lenders limit the maximun loan to value ratio at 90%.  All Tech Mortgage Inc, still has access to lenders that offer the VA Cash Out Refinance program up to 100% of the appraised value.

Just this week we have been able to refinance a young couple out of 80/20 ARM loan into fully amortizing 30 year fixed rate loans at 5.00% (5.088 apr).

If you are searching online for VA lenders who offer the VA Cash Out program, you may want to check the maximum loan to value ratio(LTV) their program allows.  If you are close to the 90% limit you may want to check out these resources to estimate the value of your home:

www.zillow.com and search the comparable sales for your home

www.JohnLScott.com - Search under sold listings to see what's been selling in your neighborhood

For more information about VA Home Loans in Tacoma, feel free to call Kevin Tinsley - Tacoma's #1 VA Mortgage Expert at (253) 472-1500 or toll free at (800) 339-7059.  For current VA Mortgage Rates, visit us online at http://www.VAMortgageTacoma.com