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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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H & M

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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


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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&amp;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

back to top

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







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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

 

HOT DEALZ & COOL SAVINGS

What to know before you refinance - MSN Real Estate
Nationwide drops in home values may present a challenge for homeowners who want to refinance, because a higher loan-to-value ratio can trigger the need for .
http://realestate.msn.com/article.aspx?cp-documentid=17642195


What Is Private Mortgage Insurance (PMI) - How to Avoid Paying It
Oct 4, 2011 . The loan to value (LTV) ratio is what the lender looks at to determine . Typically, if your loan to value ratio is more than 80%, you'll be required to pay PMI. . Before you refinance a mortgage, weigh the expense against the .
http://www.moneycrashers.com/private-mortgage-insurance-pmi/


Pros and cons of refinance appraisals
Not everyone needs an appraisal to refinance a home loan, but should you get . may be more refinancing products available based on the new loan-to-value ratio . mortgage insurance, chances are it would be required after a refinance too, .
http://www.bankrate.com/finance/refinance/pros-and-cons-of-refinance-appraisals-1.aspx