I need a higher LTV loan in order to consolidate my debts into one loan do you know of any lenders who are doing 100-105 LTV also my credit score averages 768 across all three bureaus.

Do you know what type of loan you currently have? Is it owned by Fannie Mae or Freddie mac? If so there are two programs that will allow you to go up to 105% LTV but you must not have any second mortgages or any PMI of any sort even lender paid PMI. You would not be able to consolidate any debts with this loan type but you may be able to get a personal line of credit to consolidate these debts as it just depends on what type of debt we are talking about. I would need more details to help you out please feel free to contact me at anytime!

Hi there! Are you a Veteran? Some VA loans WILL go up to a 100% LTV. If not, you will be capped with an 85% LTV with FHA. US Bank will do a cash out refinance up to 95% I believe with your FICO scores. If your property is in Maine or New Hampshire, please call me on 888-316-6345 which will reach me directly, 24/7.Thank you!Brendan FontaineReliant Mortgage Co.

Do you have a FHA 1st mortgage?

Hello. It appears you may be able to obtain a 95% LTV cash out refi using a lender that sells to US Bank. If you have VA eligibility, you can refinance up to 100% of the value of your home. You can then consolidate any remaining debt with a smaller personal line of credit. This should save you a considerable amount every month. Hope this helps. Patrick McCarthy, Northpointe Bank Mortgage, 614-395-2393