Real Estate
How much equity do I need to refinance?
Quick Answer
Most rate-and-term refinances need 20% equity (80% LTV) for best pricing — though conventional allows up to 95–97% LTV with PMI. Cash-out refis are typically capped at 80% LTV. FHA streamline and VA IRRRL programs allow refi with minimal equity.
Warren Team
Updated April 26, 2026
38
Warren Team
Updated April 26, 2026
38
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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