If my LTV is at 50% will my down payment or rate be lower?

Any additional down payment more than 20% will have little effect on your interest rate. With a 50% down payment, you may want to consider a 15-year term, which could lower your rate as much as one-half percent. If your primary goal is to get the lowest possible rate, you may choose to pay discount points at closing, in order to get a lower note rate.

I feel like this question is geared toward potentially refinancing your house, is that correct?If that is the case then you acutally won't need a down payment as you can roll all of the costs of the loan into the refinance. As far as rate goes it depends on where your current interest rate is at. If you'd like to get an idea of what the rates are for the day feel free to give me a call.An additional option at a 50% LTV would be to do a cash out refinance and take some of the equity out of the house and have cash to pay off bills, buy a new car, build a shop, put a child through college, update the house, etc.I hope that this answers your question.If you are thinking about refinancing and need a lender I would like to assist you with this transaction. I do no charge applications and consultations to see if you will qualify.I look forward to hearing from you soon,Andrew ByrdGoldwater Bank, NA208-292-4213abyrd@afg-co.comNMLS # 1117336

Typically the lower your Ltv to a point ,it will improve pricing and then rates. So as long as your rate is at least a 760 you should get the best rate available because of your loan to value.

Generally speaking, on most loans, once you've put at least 20% down, there really isn't any improvement in interest rate by putting more down payment.

In terms of a purchase, if your LTV is 50%, that means you are putting 50% down. In this case your interest rate will be lower. In terms of a Refinance, your rate would be lower at 50%. There would be not money needed as a down payment for a refinance. Conventional loans give rate discounts for lower LTV - it is usually tiered and most lenders stop giving additional discounts once you reach an LTV under 75%.