90% at 660
Primary residence cash-out
- Up to 90% LTV with a 660+ FICO
- Up to 80% LTV with a 620+ FICO
- Conventional guidelines
- No hit to the rate
Conventional. No hit to the rate.
Cash out the house. No hit to the rate.
Primary cash-out to 90% at 660. Second home cash-out to 85% at 660. 620 still gets 80%. Conventional guidelines. No hit to the rate.
Updated September 2026
Two screens. No hit to the rate.
Conventional usually taxes the rate for credit, cash-out, and a second home. This screen does not. Not a promise you hit the cap.
| Screen | 660+ FICO | 620+ FICO |
|---|---|---|
| Primary cash-out | Up to 90% LTV | Up to 80% LTV |
| Second home purchase and rate-and-term | Up to 90% LTV | Up to 80% LTV |
| Second home cash-out | Up to 85% LTV | Up to 80% LTV |
| Hit to the rate | None | None |
| Guidelines | Conventional | Conventional |
No hit to the rate
Second home
- Purchase and rate-and-term: up to 90% LTV with a 660+ FICO
- Cash-out refinance: up to 85% LTV with a 660+ FICO
- Up to 80% LTV with a 620+ FICO
- Conventional guidelines
- No hit to the rate
Renting it out? That is not this page. DSCR cash-out.
Cash-out questions
Is this the rental cash-out?
No. This page is conventional. Primary residence cash-out, and second home purchase, rate-and-term, or cash-out. A rental cash-out is DSCR. Different door.
Is there a hit to the rate?
No. Conventional usually adds a hit for credit, cash-out, or a second home. This screen does not. The guideline is still conventional.
Does 660 get 90%?
Primary cash-out screens up to 90% LTV at 660+ FICO, and up to 80% at 620+. Second home purchase and rate-and-term screen up to 90% at 660+. Second home cash-out screens up to 85% at 660+. 620+ on the second home screens up to 80%. Those are caps, not a promise.
Do you call after I send it?
No. We text. We do not call. No hard pull for sending the scenario.
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.