How can I refi an investment property with less than 20% LTV?

If your loan is HARP eligible, HARP is going to be your only viable route. Unfortunately in today's rate environment on a Rental property, the rates are going to be in the low 4s, but if you have an 80% LTV, there should not be a lot of costs. Starting with your bank was the problem. They think they can get away with gouging you and most people just suck it up and take the gouging. I always tell people "DO NOT, DO NOT, DO NOT start with you current bank. Instead, work with a Local Licensed Mortgage Professional. You can find one here at Lender411 or you can find a Licensed and Certified Loan Originator at the National Association of Mortgage Professionals. Members adhere to a strict code of ethics. Search for your Originator at www.NAMB.org ~ Bert Carpenter, CMC, CRMS ~ The LoansA2z team of NOVA Home Loans ~ Licensed in California and Arizona ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Yes we should be able to help you. We specialize in HARP loans. Get into touch with me P: 888-320-7888 www.MortgagesforAmerica.org - Ken Burrows

Hello, Yes if your loan is owned by Fannie Mae and meets the HARP requirements, then we should be able to lower the interest rate considerably lower than 4.375%, and in some cases be able to receive an "appraisal waiver" meaning you wouldn't have to pay for an appraisal upfront. We are licensed in the state of OR and we fund many HARP loans within 30 days, so please contact me at 888.231.8372 or jolson@afnmortgagelenders.com . Sincerely, Jesse Olson

Hello. I would be happy to assist you with this. Please see my website and check out my testimonials. Licensed in Washington and Oregon. Best Regards...Lorne

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Mlarou. I am here in Oregon and there are a couple options that we can look at to refiance your investment property. 4.375 even for a HAPR loan does sound high espically with a lot of closing cost. Please give me a cal 503-510-8290.

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With the information you've provided, you shouldn't have any problems. I would avoid the "big banks" and contact a local mortgage banker. You will likely get better service, a quicker turn time, lower costs and a lower rate.

Consumers typically all do the same thing, and when it comes to refinancing their mortgage, they all think the current lender is the best place to go - and they are all wrong. Your current lenders knows you do this, and that for most people, it is they only place they contact. Therefore your current lenders price those loans a little bit higher than you could get somewhere else. There is zero benefit to using your existing lender. Shop elsewhere...

I can help you with the HARP loan, shoot me an emial or a phone call and I will get you a quote.Thanks,Brian 877-990-HARP