If you’re a homeowner looking to access more of your home’s equity without waiting a full year after your original mortgage, the 90% LTV Conventional Cash-Out Refinance could be a smart move. Designed for primary residences, this program lets you refinance up to 89.99% of your home’s value—providing a flexible way to consolidate high-interest debt, finance major expenses, or boost your financial position. With competitive guidelines, minimal seasoning requirements, and no cap on cash-back, it’s one of the most accessible cash-out options available for qualified borrowers.

Looking to tap into your home’s equity with minimal seasoning and maximum flexibility? The 90% LTV Conventional Cash-Out Refinance might be the perfect solution.

Key Program Features:

• Max Loan-to-Value (LTV): 89.99%
• Min LTV: 80.01%
• Minimum Credit Score (FICO): 680
• Maximum Debt-to-Income (DTI): Determined by DU/LPA; not to exceed 50%
• Occupancy: Primary residence only
• Property Types:
  • 1–4 unit Single-Family Residences (SFR)
  • PUDs (Planned Unit Developments)
  • Condominiums
• Max Loan Amount (1-unit): $806,500
• Minimum Loan Amount: None
• No max cash-back limitations
• Escrow waivers available 

Why This Program Works:

This cash-out refi is ideal for homeowners who want to access more equity (up to nearly 90% of their home’s value) without waiting a full year after their initial mortgage. With flexible underwriting, no cap on cash-out, and broad property eligibility, it’s a powerful option for borrowers looking to consolidate debt, fund renovations, or invest.

Apply Now to find out if you qualify and receive free estimates