Category: Refinancing Blog

Richmond homeowners with built-up equity can access significantly more cash than traditional banks allow through a cash out refinance up to 90 percent LTV—a product available through independent mortgage brokers with wholesale lending access that most local banks and credit unions don’t offer. This guide explains how 90% LTV cash-out refinancing works, who qualifies, and how it compares to the standard 80% cap that leaves tens of thousands of dollars locked in your home.

  Executive Summar Richmond, Virginia’s housing market is in flux in 2026. Inventory is climbing, and for the first time in years, mortgage rates have