On a rate and term basis-meaning just changing one or both of these variables we can STILL refinance your loan.  If it saves you money, you should consider doing something SOON as the government has said they will stop "subsidizing" mortgages by keeping rates low. 

VA loans go to 90%

FHA can go up to approximately 98%

PRIVATE/PORTFOLIO LENDERS can go up to 90% EVEN ON MN JUMBO LOANS TO 900K

HERE ARE THE PROGRAM GUIDELINES-WHICH ARE ALWAYS SUBJECT TO CHANGE:

 THESE ARE THE SOME OF THE GUIDELINES TO THE PROGRAM I HAVE REFERENCED

1st Mortgage Refinances 80.01% - 90.00% LTV & No MI
Benefits and Highlights: - No mortgage insurance required regardless of LTV - Comparable monthly payments - Pay off all mortgage debts without an increase to rate - Debt consolidation (max $20,000 of non-mortgage debt) - Scores down to 650 - One day off the MLS available - No fee Escrow available Restrictions: - Primary residence only - 2+ years time in home required - No cash back/cash in hand allowed
Maximum Loan Amounts Available at 80.01-90.00% LTV Property Type 750+ score 700-749 score 680-699 score 650-679 score SFR, Duplex, Townhome, Modular $800,000 $675,000 $500,000 $350,000 Condo (<9 stories), 2-flats, row homes $550,000 $500,000 $350,000 $250,000

Begin your MN home mortgage loan application at our MN mortgage site.