If  you wish to refinance to a better rate, but are concerned you haven’t enough equity, we may be able to provide financing from 105% of appraised value and up to 125% if you also have an equity line. Check the two sites below to see if either Fannie Mae or Freddie Mac owns your loan. If one of these agencies does own your loan, you may be able to refinance on a low fixed rate loan without PMI.  Call us today for the fannie or Freddie refinance.