We have Conventional products that go as high as 80% LTV,Also if you are refinancing a Freddie or Fannie loan we have a rate and term option for investment properties up to 105% LTV that you mght qualify for.BNC National Bank is a nation wide lender with competative rates and fees.If you would like more information please dont hesitate to contact me. Patrick Bodine SR.Mortgage Consultant 650 Douglas Drive North Golden Valley, MN 55422 Cell:651.248.0467 Office:612.305.2284 Fax:612.766.9884 Email:pbodine@bncnationalbank.com Website:www.bncnationalbank.com/minneapolis/pbodine

If you loan is owned by Fannie Mae or Freddie Mac they have programs available for borrowers whose values have dropped to see if fannie mae owns your loan go to this website: http://www.fanniemae.com/loanlookup/To see if Freddie Mac owns your property go to this website: https://ww3.freddiemac.com/corporate/ If your score is above 720 should be able to get a 30 yr fixed rate in the lows 5's , 5 year ARm mid 4's and 15 year fixed mid 4's. We don't lend in NY, but if you need a local NY lender I can set you up with a friend. The product will go up to 105% of the value of your home. Fannie version is called refi plus and freddie version is called open access. So if you appraisal comes in light you still have options with this product. Rates will increase slightly for a 2-4 unit property

Unfortunately the current guidelines are limited to 75% Loan to Value. I am familiar with all of the current loan programs available.. Fannie, Freddie, FHA, USDA..etc... It seems currently there is no appetite for anything above 75%.. However. it is possible to find a creative way to qualify the loan. Possibly a small home equity line on your owner occ to cover 5% and then refinance 75% in a new first mortgage. This can be structured it just may take a little work. You can always give me a call at 518-536-0380 for all of your options. Travis Carter

I have to disagree with Travis. If you have access to the best programs in the country it is indeed possible to refinance an investment property up to 80%. Contact me to discuss further. Thank you.Peter Traum

I have to respectully disagree with Travis. It is indeed possible to refinance an investment property up to 80% of the value of the home. Please contact me to review your situation and discuss further. Thank you.Peter Traum

Yes we do have a Rate/Term option up to 80% for an investment property. Please call me directly to discuss. I can be reached at 631-446-3103. Thank you Gregory Topal

You can 80% ltv. but there will be a hit to the pricing of almost 200 to 300 basis points. If you can somehow get it to 75%ltv, your pricing will improve tremendously.