Consolidate Debt Efficiently: Refinance Up to 89.99% Without Mortgage Insurance

Unlock More of Your Home’s Value: Introducing the 90% Cash-Out Refinance

If you're a homeowner sitting on equity and wondering how to make it work for you, there’s a powerful new option to consider: UWM’s Conventional Cash-Out 90 program. It’s a unique refinance opportunity that allows you to access up to 90% of your home’s value — without the need for private mortgage insurance (PMI).

Let’s break down what this means and why it could be a game-changer.

What Is a Cash-Out Refinance?

A cash-out refinance lets you take out a new mortgage that’s larger than your current one — and pocket the difference in cash. It’s a popular option for consolidating debt, funding home improvements, covering education costs, or even investing in new opportunities.

Until now, most cash-out refis capped you at 80% loan-to-value (LTV). That meant you had to leave a big portion of your equity untouched — unless you wanted to pay for PMI.

What Makes UWM’s Program Different?

UWM’s new Cash-Out 90 program is the first-of-its-kind conventional refinance that allows you to go up to 89.99% LTV with no PMI required.

Here’s what that means for you:

• Keep more cash in your pocket — access up to 90% of your home’s value
• No private mortgage insurance — even at high loan amounts
• Fixed 30-year term — for stable, predictable payments
• Use funds however you choose — remodel, consolidate, invest, or plan ahead

Who’s Eligible?

This program is designed for homeowners who:

• Have a primary residence
• Maintain a credit score of at least 680
• Stay within standard debt-to-income (DTI) limits
• Need a loan within 2024’s conforming loan limit (approx. $766,550)

Why This Matters Now

With home values holding strong in many markets, this could be an ideal time to put your equity to work — especially if you're carrying higher-interest debt or need a cushion for upcoming expenses. The added bonus? No PMI means more savings over time.

Ready to Explore Your Options?

Every homeowner’s situation is different, and a quick conversation can help determine if this program makes sense for you. I’d be happy to walk you through the numbers and see what kind of opportunities your home equity could unlock.

Let’s talk — no pressure, just smart guidance.

Disclaimer: Not all borrowers will qualify. Loan approval is subject to credit review and underwriting. Rates and terms may vary. This is not a commitment to lend.