AMARCORD VINTAGE FASHION
Refinance Tool Box: Refinance Home Loan Mortgage Basics
Learn from the inside, how to qualify for a Refinance Home Loan Mortgage and how to get . Historically, the debt-to-income ratio needed to be at .28 or lower for the Front Ratio, and . Qualify for Home Loan Refinance: Loan To Value Ratio .
http://www.refinancetoolbox.com/refinancebasics.htm
252 Lafayette Street (btwn Prince & Spring)
Loan to Value Ratio | Mortgage LTV | The Truth About Mortgage.com
Oct 12, 2009 . Monday mortgage Q&A: “What is the loan to value ratio? . But you don't necessarily need to put 20% down to get the benefits of a low-LTV .
http://www.thetruthaboutmortgage.com/what-is-loan-to-value/
How to Refinance a Mortgage Explained by Bank of America
Learn more about how to refinance. . So what do you need to do to refinance? . Type of home and property value; Type of loan you want; Personal information ( name, phone number, address, date of . Show Assess your loan-to-value ratio .
https://www8.bankofamerica.com/home-loans/learning-center/process/getting-a-refinance-loan.go
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DIGS Soho
How to Calculate the Equity Required to Refinance - Wiki | The ...
Ask your lender the maximum loan-to-value ratio needed so it will consider allowing you to refinance. Many lenders prefer to see a loan-to-value ratio of at most .
http://wiki.fool.com/How_to_Calculate_the_Equity_Required_to_Refinance
What is the typical loan to value ratio needed for refinancing a - Quora
Answer 1 of 2: This is very broad Question with many possible answers. ...
http://www.quora.com/What-is-the-typical-loan-to-value-ratio-needed-for-refinancing-a-mortgage-in-California
Hours: Mon-Fri 11-8 PM Sun 12-7 PM
Refinance: what is the highest LTV ratio for refinancing an ...
Mar 20, 2011 . Refinance in Alexandria, VA - Have very high credit rating. . However, if your loan is backed by Fannie Mae or Freddie Mac, you may qualify for a HARP . value but I see most lenders capping the value to 105% of the appraised value. . QuestionI need a VA lender that participates in the HARP program.
http://www.zillow.com/advice-thread/Refinance-what-is-the-highest-LTV-ratio-for-refinancing-an-investment-property/391586/
Factors That Influence Your Refinance Rate | Fox Business
Apr 16, 2012 . Can't refinance your mortgage at the advertised rate? . If you need to borrow a large amount of money, greater than the . The loan-to-value ratio refers to the amount you owe compared to the appraised value of the home.
http://www.foxbusiness.com/personal-finance/2012/04/10/factors-that-influence-your-refinance-rate/
Phone: 888-254-DIGS (3447)
212-226-3363
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Common Home Refinance Loan Questions Answered from ...
The general rule is that you need to have 90% loan-to-value ratio before you can refinance. This means that your home is worth about 10% more than the loan .
http://www.princetoncap.com/refinancequestions.html
Opening hours
Mon - Sat 10:00 AM - 9:00 PM
Sun 11:00 AM - 8:00 PM
558 Broadway between Prince and Spring
Home Affordable Refinance Program | HARP Program
Refinance now, even with no equity! LIMITED TIME. Special program expiring soon. HARP Refinance Help. Unlimited loan-to-value ratio! No equity needed.
http://www.homeaffordablerefinanceprogram.net/
Phone: +1-212 343 2722
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LEGACY
Harp 2.0 Refinance Program - Eligibility & Qualifications for HARP 2 ...
Jun 26, 2012 . HARP 2.0 Refinance Program Details are explained and we go over Rules, Eligibilty and Qualifications for HARP 2 . Does the property need to be a primary residence? . Does the Loan to Value Ratio Matter for HARP 2.0?
http://www.lender411.com/harp-20-program-eligibility-guideline/
Home Affordable Refinance Program - Wikipedia, the free ...
In this scenario, the loan-to-value ratio would be 120%, and if the homeowner chose to refinance, he would also have to pay for private mortgage insurance.
http://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
How much equity would you need to refinance
Lenders typically require you to have a 90% loan-to-value ratio if you want to refinance. They also want to see that your home has increased in value.
http://wiki.answers.com/Q/How_much_equity_would_you_need_to_refinance
LEGACY
109 thompson st
Home Affordable Refinance (DU Refi Plus and ... - eFannieMae.com
Sep 14, 2012 . The Home Affordable Refinance Program (HARP) is designed to . Is there a combined loan-to-value ratio (CLTV) or home equity CLTV (HCLTV) limit? . pool prefix required for loans with LTV ratios above 105% (CQ, CR, .
http://www.efanniemae.com/sf/mha/mharefi/pdf/refinancefaqs.pdf
Open every day from 12-7
ONASSIS
Loan-to-Value Ratio - LTV Ratio
How is the Loan to Value ratio or LTV ratio calculated and how is it used? . This means that the purchaser of a property will need to put a minimum of . The Loan -to-Value Ratio is also used when an investor wishes to refinance a property.
http://www.invest-2win.com/loantovalue.html
4 steps to refinance
Mar 25, 2009 . As a rule, homeowners need an 80-percent loan-to-value ratio, or LTV ratio, to qualify for a refinance. However, new government assistance for .
http://www.bankrate.com/finance/mortgages/4-steps-to-refinance-your-mortgage.aspx
Here's What You Need To Know To Refinance An Investment Property
Oct 13, 2011 . Is it possible to refinance a property if you don't live in it? . Your loan-to-value ( LTV) ratio is too high; Your current interest rate is low enough .
http://articles.businessinsider.com/2011-10-13/news/30274395_1_investment-property-lenders-mortgage-rates
FHA Requirements: Mortgage Insurance
On or after 4/9/2012 on any loan amount - If the loan to value is <= 95%, the . and a loan to value ratio of 78% or less, remain exempt from the Annual MIP ( Mortgagee Letter 2011-35). . SF forward streamline refinance transactions that are refinancing FHA loans . What Documents Do I Need for My FHA Loan Application?
http://www.fha.com/fha_requirements_mortgage_insurance.cfm
(212) 966-8869
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ORIGINAL PENGUIN loan value ratio needed refinance
Frequently Asked Questions About The H.A.R.P. Program
Will a refinance under HARP reduce the amount that I owe on my loan? How will I . Is there a maximum loan-to-value (LTV) ratio for HARP? I have both a first . What are the circumstances under which appraisals are not required? When will .
http://harpprogram.org/faq.php
California FHA Loans Streamline Refinance and Rates- A Complete ...
May 17, 2012 . One of the biggest benefits of an FHA Streamline Refinance is that no appraisals are required. Your Loan-to-Value Ratio (LTV) is calculated .
http://lendingexpertblog.com/fha-loans-streamline-refinance-and-mortgage-rates-a-complete-guide/
103 Greene Street
VA Loans: Refinance with a Cash-Out Loan
You'll need this before you use your VA loan benefits. . efficient improvements up to $6,000 if the property can withstand the designated loan to value ratio.
http://www.militaryhub.com/valoans-types-refinance.cfm
What Is the Recommended Loan to Value Ratio for a Mortgage - eHow
What Is the Recommended Loan to Value Ratio for a Mortgage Refinance? . How to Compute Equity for a Refinance · What Loan Value Do You Need to .
http://www.ehow.com/info_7747626_recommended-value-ratio-mortgage-refinance.html
Wells Fargo Credit Center - What Lenders Consider
What is a Mortgage? Refinance and Home Equity Loans . Loan-to-value (LTV) is the ratio of your loan amount to the value of your property. This ratio tells a .
https://www.wellsfargo.com/credit_center/use_credit/buy_home/lenders_consider
PALMA
Freddie Mac Relief Refinance Mortgages - Same Servicer Eligibility ...
Sep 2, 2012 . The Seller is not required to represent and warrant that the . loan-to-value (LTV) ratio of the Relief Refinance Mortgage is less than or equal to .
http://www.freddiemac.com/learn/pdfs/uw/reliefrefi_ss.pdf
Mortgage Loan-to-Value Calculator
Calculate the equity available in your home using this loan-to-value calculator. You can . To find out your loan-to-value ratio, enter the amounts below. Current .
http://www.bankrate.com/calculators/mortgages/ltv-loan-to-value-ratio-calculator.aspx
Housing Refinancing Reforms Still Needed | Center for American ...
Nov 22, 2011 . Changes to the Home Affordable Refinancing Program Could Go . that borrowers with high loan-to-value ratios must pay when refinancing.
http://www.americanprogress.org/issues/housing/news/2011/11/22/10724/housing-refinancing-reforms-still-needed/
463 Broome Street
New York / NY 10013
Phone: 212 966 1722
PATINA
6 steps to a lower refinance rate
Jun 5, 2012 . Also, remember that your credit scores and the loan-to-value ratio of your . If so, you'll still need to prepare for your refinance application.
http://library.hsh.com/articles/refinancing/6-steps-to-a-lower-refinance-rate.html
First Mortgage Equity Loans - Low-Cost Home Refinancing & Debt ...
. Loan. It's a convenient, low-cost way to refinance your first mortgage. . Mortgage insurance is not required, regardless of the loan-to-value ratio of your loan.
https://www.huntington.com/pas/HNB1740.htm
451 Broome St.
Can I Refinance if My Home Value Is Less Than the Loan Value ...
Some banks run their own in-house refinance programs to help borrowers in this . While this likely will not change your loan-to-value ratio, it can get you into a . If you need to sell your home and you owe more than it&rsquo;s worth, you .
http://homeguides.sfgate.com/can-refinance-home-value-less-loan-value-9486.html
Do you have enough equity to refinance?
Keep in mind that while an 80 percent loan-to-value ratio may seem like a magic number that's necessary to refinance, many homeowners obtain a new loan .
http://www.bankrate.com/finance/mortgages/do-you-have-enough-equity-to-refinance-1.aspx
What Goes Around Comes Around
HARP Phase II Q&A's
find ways to increase the number of homeowners who are able to refinance through HARP. With mortgage . The current loan-to-value (LTV) ratio must be greater than 80%. . What do borrowers need to do to take advantage of HARP? 1 .
http://www.fhfa.gov/webfiles/22723/HARP%20release%20102411QandA%20Final.pdf
Getting a Home Improvement Loan To Remodel
Unlike a conventional casxh-out ot refinance loan, regardless of your loan to value ratio, you will be required to pay for mortgage insurance for a minimum of 5 .
http://qna.mortgagenewsdaily.com/questions/getting-a-home-improvement-loan-to-remodel
Refinancing At-Risk Homeowners | Center for American Progress
Oct 24, 2011 . If the borrower's mortgage meets the loan-to-value requirements, then the . working effectively in targeting borrowers who are most in need of its help. . many will only refinance mortgages with loan-to-value ratios below 105.
http://www.americanprogress.org/issues/housing/report/2011/10/24/10539/refinancing-at-risk-homeowners/
351 West Broadway
Borrower Options | Refinancing | Fifth Third Bank
A Home Affordable Refinance will help borrowers whose loans are held by Fannie Mae or Freddie . Refinance up to 125% loan-to-value ratio. . No appraisal required on some single-family homes; No minimum credit score unless payment .
https://www.53.com/borrower-options/refinancing.html
Home Equity Loan Refinance - Home Equity Mortgage ... - PNC Bank
With PNC home equity loan refinance options enjoy the convenience of . DE, FL , IL only); Title Insurance is required on loans over $250,000 ( more details ) . The ratio of the amount of a potential mortgage to the value of the property it is .
https://www.pnc.com/webapp/unsec/Blank.do?siteArea=/pnccorp/pnc/home/personal/loans/home+equity/home+equity+rapid+refinance
SAO
112 Wooster Street
Phone: 212-334-0456
TSE
120 Wooster Street
Can I Refinance? Requirements for a new Loan
Finally, get an idea of your loan to value ratio. Usually, you can refinance without much difficulty if your loan balance is less than 80% of your home's value.
http://banking.about.com/od/loans/a/Can-I-Refinance.htm
VA Streamline Refinance Still Streamlined | Direct VA Loans
Appraisal is now required in order to add "roll in" closing costs to the refinance; Maximum loan to value ratio can't exceed 97.75%, and in some circumstances .
https://www.directvaloans.com/va-loan-articles/va-streamline-refinance-still-streamlined
JOHN VARVATOS
122 Spring Street
Phone: 212-965-0700
ALEXIA CRAWFORD ACCESSORIES
199 Prince Street
Phone: (212) 473-9703
ANN TAYLOR LOFT
560 Broadway
Phone: (212) 625-0427
ASH FRANCOMB
35 Crosby Street
Phone: (212) 334-3435
ANNE FONTAINE
93 Greene Street
Phone: (212) 343-3154
BAGUTTA LIFE
72 Greene Street
Phone: (212) 925-5216
BELIEVE IT NYC
529 Broome Street
Phone: (212) 334-7223
BETSEY JOHNSON SOHO
138 Wooster Street
Phone: (212) 995-5048
BICHE DE BERE
482 West Broadway
Phone: (212) 598-0571
BIG DROP
174 Spring Street
Phone: (212) 226-9292
BIG DROP
425 West Broadway
Phone: (212) 226-9292
BLOOMINGDALE’S
504 Broadway
Phone: (212) 705-2000
BUFFALO CHIPS
355 West Broadway
Phone: (212) 625-8400
The Mortgage Crisis - Has it Affected Your Ability to Refinance A Home
20% equity in your home; Credit score over 600; Loan amount less than $417,000 . in mortgage lending that you need to know about before you refinance a home: . scores and higher loan to value ratios than required for conventional loans.
http://moneyover55.about.com/od/mortgageoptions/a/mrtgcrisis.htm
106 Wooster Street
Phone: (212) 965-5330
Hope and Frustration in New US Effort to Help Homeowners
May 25, 2012 . Have You Tried to Refinance Your Underwater Mortgage? . From the perspective of big banks, borrowers have reason to be hopeful, though they need to . Another told him that his “loan-to-value ratio” was too high — that is, .
http://www.nytimes.com/2012/05/26/your-money/mortgages/harp-2-0-stirs-hope-and-frustration-for-homeowners.html?pagewanted=all
406 Broome Street
Phone: (212) 925-6200
CALYPSO ST. BARTH
280 Mott Street
Phone: (212) 965-0990
CALYPSO AU MARCHE
426 Broome Street
Phone: (212) 941-9700
CHANEL BOUTIQUE
130 Spring Street
Phone: (212) 334-0055
CHRISTOPHER FISCHER
80 Wooster
Phone: (212) 965 9009
CLEO & PATEK
367 West Broadway
Phone: (212) 431-7541
CRUMPLER
45 Spring Street
Phone: (212) 334-9391
CUSTO BARCELONE BOUTIQUE
474 Broome Street
Phone: (212) 274-9700
D&G DOLCE & GABBANA
434 West Broadway
Phone: (212) 965-8000
DAFFY’S
462 Broadway
Phone: (212) 334-7444
DETOUR-LADIES’
154 Prince Street
Phone: (212) 966-3635
DETOUR-MEN’S
425 West Broadway
Phone: (212) 219-2692
DETOUR-WOMEN’S
472 West Broadway
Phone: (212) 979-6315
DKNY
420 West Broadway
Phone: (646) 613-1100
DO KHAM: THE TIBET EMPORIUM
51 Prince
Phone: (212) 966-2404
DOSA
107 Thompson
Phone: (212) 431-1733
EARL JEAN
160 Mercer
Phone: (212) 226-8709
EILEEN FISHER
395 West Broadway
Phone: (212) 431-4567
FELICIA FARRAR
25 Thompson
Phone: (212) 560-9128
FLYING A
169 Spring
Phone: (212) 965-9090
FORAVI
542 Broadway
Phone: (212) 966-1970
FRENCH CONNECTION
435 West Broadway
Phone: (212) 219-1197
IVAN GRUNDAHL/LINEA S
94 Grand Street
Phone: (212) 334-4964
GUESS?
537 Broadway
Phone: (212) 226-9545
HEAD PORTER
140 Wooster Street
Phone: (212) 995-8108
HELIANTHUS
196 Spring Street
Phone: (212) 966-6435
HUGO HUGO BOSS
132 Greene Street
Phone: (212) 965-1300
IF... SOHO NY
94 Grand
Phone: (212) 334-4964
INA
101 Thompson
Phone: (212) 941-4757
INSTITUT
97 Spring Street
Phone: (212) 431-5521
J. CREW
99 Prince Street
Phone: (212) 966-2739
J. LINDEBERG
126 Spring Street
Phone: (212) 625-9403
JACK SPADE
56 Greene Street
Phone: (212) 625-1820
JILL STUART
100 Greene
Phone: (212) 343-2300
JJ TURK
510 Broome
Phone: (212) 625-9454
JNBY
75 Greene Street
Phone (212) 219-2529
KABAY
339 West Broadway
Phone: (212) 925-9631\
KAORI'S CLOSET
71 West Houston Street
Phone: (212) 387-7788
KATE SPADE
454 Broome Street
Phone: (212) 274-1991
KAZUYO NAKANO
117 Crosby Street
Phone: (212) 941-7093
KEIKO NEW YORK
62 Greene Street
Phone: (212) 226-6051
KENNETH COLE NEW YORK
597 Broadway
Phone: (212) 965-0283
KORS
159 Mercer
Phone: (212) 966-5880
LAUNDRY by Shelli Segal
97 Wooster
Phone: (212) 334-9433
LINUS
160 Spring Street
Phone: (917) 237-0222
LIORA MANNE
91 Grand Street
Phone: (212) 965-0302
LOOPY MANGO
How do I calculate my loan-to-value ratio (LTV)?: Mortgage Center ...
Mortgage Center - Find all of the mortgage resources you'll need. . The loan-to- value ratio (or LTV) is one of the most important factors in your loan process. . divided by the value of the subject property you are purchasing or refinancing.
http://loan.yahoo.com/m/faq4.html
Phone: (212) 343-7425
LOUNGE
593 Broadway
Phone: (212) 226-7585
LUCKY BRAND DUNGAREES
38 Greene Street
Phone: (212) 625-0707
LYNN PARK
51 Wooster Street
Phone: (212) 965-5133
m0851
115 Mercer
Phone: (212) 431-3069
MALO
125 Wooster Street
Phone: (212) 941-7444
MANKIND
8 Greene Street
Phone: (212) 966-5146
MARC JACOBS
163 Mercer
Phone: (212) 343-1490
Solving mortgage refinance challenges
The most common problem is a lack of equity, which lenders measure as a component of your loan-to-value, or LTV, ratio. If you refinanced your original .
http://www.bankrate.com/finance/mortgages/solving-refinance-challenges-1.aspx
65 Mercer
Phone: (212) 431-4120
MARITHE + FRANCOIS GIRBAUD
47 Wooster
Phone: (212) 625-0066
MAX STUDIO
426 West Broadway
Phone: (212) 941-1141
MAXMARA
450 West Broadway
Phone: (212) 674-1817
MIU MIU
100 Prince
Phone: (212) 334-5156
NANETTE LEPORE BOUTIQUE
423 Broome Street
Phone: (212) 219-8265
NICOLE MILLER SOHO
77 Greene Street
Phone: (212) 219-1825
OLIVE AND BETTE’
158 Spring Street
Phone: (646) 613-8772
ONWARD SOHO
172 Mercer
Phone: (212) 274-1255
THE ORIGINAL LEATHER STORE
176 Spring
Phone: (212) 219-8210
PATAGONIA
101 Wooster Street
Phone: (212) 343-1776
PHAT FARM/BABY PHAT
129 Prince
Phone: (212) 533-7428
PLEATS PLEASE
128 Wooster
Phone: (212) 226-3600
PRADA
575 Broadway
Phone: (212) 334-8888
PUMA
521 Broadway
Phone: (212) 334-7861
QUICKSILVER-BOARDRIDERS CLUB
109 Spring Street
Phone: (212) 334-4500
RALPH LAUREN
379 West Broadway
Phone: (212) 625-1660
RAMPAGE
127 Prince Street
Phone: (212) 995-9569
REPLAY
109 Prince
Phone: (212) 673-6300
REVA MIVASAGAR
22-28 Wooster
Phone: (212) 334-3860
ROSEBUD
131 Thompson
Phone: (646) 602-1565
RUDE GIRL RIVE GAUCHE
237 Centre Street
Phone: (212) 226-0069
SAC BOUTIQUE
115 Grand Street
Phone: (212) 431-2576
SALVATORE FERRAGAMO
124 Spring Street
Phone: (212) 226-4330
SHARAGANO PARIS
529 Broadway
Phone: (212) 941-7086
SKECHERS
530 Broadway
Phone: (212) 431-8803
STACKHOUSE
276 Lafayette
Phone: (212) 925-6931
STELLA MCCARTNEY
112 Greene Street
Phone:
(212) 255 1556
STEVEN ALLAN
60 Wooster
Phone: (212) 334-6354
STUSSY
140 Wooster
Phone: (212) 995-8787
SUPREME
274 Lafayette
Phone: (212) 966-7799
SWISS ARMY SOHO
136 Prince
Phone: (212) 965-5714
TAG HEUER BOUTIQUE
422 West Broadway
Phone: ( 212) 965-5304
TED BAKER LONDON
107 Grand
Phone: (212) 343-8989
UNDERWRITING THE LOAN - USDA Rural Development
may be refinanced if the home is in need of repairs totaling $5,000 or more to correct . Example - Maximum Loan Based on Loan to Value Ratios. $50,000 .
http://www.rurdev.usda.gov/SupportDocuments/3550-1chapter06.pdf
440 Broadway
Phone: (212) 219-9966
UNION
172 Spring Street
Phone: (212) 226-8493
UNITED COLORS OF BENETTON
555 Broadway
Phone: (212) 941-8010
VIVIENNE TAM
Want to Refinance Your Mortgage? Home Loan-to-Value Ratio May ...
Jun 22, 2009. to qualify for a Fannie Mae or Freddie Mac mortgage, you needed to have at ... . If you owe more than your home is worth, you can't refinance your . When asked how high the loan-to-value ratio could go, Lockhart said his .
http://www.cbsnews.com/8301-505145_162-37140592/want-to-refinance-your-mortgage-home-loan-to-value-ratio-may-climb-to-125-percent/
Phone: (212) 966-2398
WOLFORD
122 Greene
Phone: (212) 343-0808
WORK IN PROGRESS
513 Broadway
Phone: (212) 343-2577
X-LARGE
267 Lafayette
Phone: (212) 334-4480
Y & KEI
125 Greene
Phone: (212) 477-7778
YASO
62 Grand
Phone: (212) 941-8506
YELLOW RAT BASTARD
478 Broadway
Phone: (212) 334-2150
YOHJI YAMAMOTO
103 Grand
Phone: (212) 966-9066
ZABARI
506 Broadway
Phone: (212) 431-7980
Childrens Clothing Stores
CALYPSO ENFANT
426 Broome
Phone: (212) 966-3234
JULIAN & SARA
103 Mercer
Phone: (212) 226-1989
LES PETITS CHAPELAIS
142 Sullivan
Phone: (212) 505-1927
LILLIPUT
265 Lafayette
Phone: (212) 965-9567
LILLIPUT SOHO KIDS
240 Lafayette
Phone: (212) 965-9201
MAKIE
109 Thompson
Phone: (212) 625-3930
PATAGONIA
101 Wooster
Phone: (212) 343-1776
Leather Stores
ARIZONA
91 Spring Street
Phone: (212) 941-7022
HUNTING WORLD
118 Greene
Phone: (212) 431-0086
IL BISONTE
120 Sullivan Street
Phone: (212) 966-8773
LE BO PARIS
135 Prince
Phone: (212) 979-0082
THE ORIGINAL LEATHER STORE
176 Spring
Phone: (212) 219-8210
PETER HERMANN LEATHER GOODS
118 Thompson
Phone: (212) 966-9050
SILVERADO
542 Broadway
Phone: (212) 966-4470
Lingerie Stores
BODYHINTS
462 West Broadway
Phone: (212) 777-8677
ERES
98 Wooster
Phone: (212) 431-7300
LE CORSET BY SELIMA
80 Thompson
Phone: (212)334-4936
Maternity Stores
PUMPKIN MATERNITY
407 Broome (at Lafayette)
Phone: (212) 334-1809
Vintage Clothing Stores
CHELSEA GIRL
63 Thompson
Phone: (212) 343-1658
PATINA
451 Broome
Phone: (212) 625-3375
WHAT GOES AROUND COMES AROUND
351 West Broadway
Phone: (212) 343-9303
How Do I Get Rid of My PMI?
First, you need to understand your home's loan-to-value ratio (LTV). The LTV is the difference between the amount of your loan and your home's value. It's easy .
http://www.realtor.com/home-finance/mortgages/how-do-i-get-rid-of-my-pmi.aspx
The neighborhood rose to fame as a neighborhood for artists during the 1960s
Making Home Affordable Refinance and Loan Modification Program
If you refinance to an adjustable rate loan, the LTV ratio limit is 105%. If you don't know the value of your home, you can get a free online estimate at Zillow or Yahoo! . You will not be required to buy any additional mortgage insurance.
http://www.massresources.org/making-home-affordable.html
