How can I refinance with a jumbo jumbo loan and a high ratios? Is it possible to refin at all?

Well... since you didn't really disclose what your ratios are, it's hard to answer your question... regardless of what some are saying here, if your back ratio is higher than 46%, it's going to be real tough... but if you have a low loan to value, then you can stretch the ratios a bit.. But certainly not over 50%... the best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

There is a lot of valuable information missing. What may be a high ratio to one lender may not be to another. Which ratio is high? DTI or LTV? What other liquid assets (reserves) do you have? It can make a difference. Your total debt vs housing debt can also make a difference. Work with a local Mortgage Banker/Broker rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of many lenders, not just those of one bank, and can properly guide you into the right program/lender. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Yes you can be approved for a jumbo loan it depends on several things but If you have at least a 56% back end ratio then you can be good to go...We are a direct lender so there a easier ways to get approved than if you go with a big bank..If you have any questions you can contact me directly at 201-673-7205

Jumbo loans can be tough to refinance with high ratio's or high LTV (loan to value). really depends on how high and the rest of your qualifications, there are no special refi programs for jumbo loans (except jumbo conforming). I do lend in CA if you need help.

Yeah, there are many programs out there for Jumbo. Contact a LOCAL lender has MANY more loan programs to offer than what a National Lender like Quicken can do.

I have a excellent loan officer referral for you in California.. if she can not do it , no body can! please email me at yourloanpartnerforlife@live.com or phone at 602 330 1598 linda i need more info ,, credit score, assets, etc

Depends how high 50%, 60%........