The Conventional High LTV Refinance is a conventional mortgage option available through private lenders, typically conforming to Fannie Mae or Freddie Mac standards.
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The Conventional High LTV Refinance provides competitive financing options for homebuyers, refinancers, and property investors. These programs are suitable for borrowers with good credit and stable income, offering flexibility in terms and rates.
This loan type is not insured by the government, making it ideal for those who meet standard lending criteria and seek lower overall borrowing costs.
Meet standard credit and income qualifications
Property must meet conventional appraisal guidelines
Down payments typically range from 3% to 20%
May require private mortgage insurance (PMI) for LTV > 80%
Intended for primary, secondary, or investment properties
Broad range of loan terms and structures
Lower interest rates for strong borrowers
No upfront mortgage insurance premium
Can be used for a wide variety of property types
Flexible refinancing and renovation options
Choose a conventional lender or broker
Submit income, asset, and credit documentation
Property appraisal and underwriting
Receive approval and close on the loan
Begin monthly payments under agreed terms
Program availability, terms, and requirements may vary by lender and location. Additionally, programs are subject to change based on policy updates and market conditions. Always consult with a mortgage professional for the most current information and to determine eligibility for specific programs. The information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice.