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Maximize Your Home's Equity: Get Up to 89.99% Cash Out—With No Added Mortgage Insurance.

3/14/2025

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Maximize Your Home's Equity: Get Up to 89.99% Cash Out—With No Added Mortgage Insurance.If you're a homeowner looking to access your home's equity, you might be surprised to learn that most banks and retail lenders cap cash-out refinances at just 80% of your home's value. But what if you could go beyond that? With the right lender, you can access up to 89.99% cash out of your home's equity--without the burden of added mortgage insurance.
Why Settle for Less?Many traditional banks limit cash-out refinances to 80% loan-to-value (LTV), which means you're leaving a significant amount of your home's equity untapped. But why settle for less when you can have more? Whether planning a major home renovation, consolidating high-interest debt, or investing in new opportunities, getting closer to 90% cash-out gives you more flexibility and financial freedom.
No Mortgage Insurance Means More SavingsOne of the most significant drawbacks of higher LTV loans is private mortgage insurance (PMI), which can add hundreds of dollars to your monthly payment. However, with the right lender, you can avoid PMI altogether—keeping more of your money while accessing the cash you need, and providing you with a sense of financial security.
How You Can Use Your Cash-Out RefinanceA cash-out refinance allows you to replace your current mortgage with a new one, borrowing against your home's equity to receive a lump sum of cash. Here are a few innovative ways homeowners use this extra cash:
✅ Debt Consolidation – Pay off high-interest credit cards and personal or student loans.
✅ Home Improvements – Upgrade your home's value with renovations, remodels, or repairs.
✅ Investing – Use the funds for investment properties or new business ventures.
✅ Emergency Funds – Have a financial safety net for unexpected expenses.
Is a Cash-Out Refinance Right for You?If you have built substantial equity in your home and need access to funds, a high LTV cash-out refinance could be the perfect solution. With the ability to go up to 89.99% LTV, you're unlocking more of your home's value, opening up a world of financial possibilities while avoiding mortgage insurance costs.
Act Now—Maximize Your Equity TodayDon't leave your home's equity on the table! If you're considering a cash-out refinance, make sure you're getting the maximum value possible—not just what the big banks allow.
Call me today to explore your options and take full advantage of your home's equity!
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​Dan Farmer
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Josh Switzer
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Heartland Financial & Mortgage MO
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Historic Downtown Overland Park KS - Heart of Raymore MO

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  • Home
  • Home Loans Apply now
    • APPLICATION FOR DAN'S CLIENTS
    • Application for Danielle's Clients
    • Application for Josh's Clients
  • About
    • Dan Farmer
    • Danielle Manson
    • Rita Farmer
    • Sadi Spalding
    • Josh Switzer
  • Blog
  • Contact
  • Careers
  • Community Involvement
  • Understanding the Cost of Buying a Home
  • Allterantive Loan Solutions