Refinance:

• LTV to 90% to 125%
• No PMI to 100%
• Cash Out to 125%
• Non income verification to 90%

Note - Guidelines stricter in some programs.

When looking for a cash-out refinance, don't get caught up in the interest game. Compare monthly payments vs. monthly payments after your refinance. Your family's cash flow should be the barometer of refinancing.