When it comes to adding value to your services and deepening client relationships, the TAG Lending Group Conventional Cash-Out 90 refinance option is a true game-changer. Designed to maximize financial flexibility, it enables borrowers to leverage up to 89.99% of their home equity without the requirement of mortgage insurance (MI), a benefit rarely found among big banks or traditional lenders. This product lets real estate professionals offer unique and highly appealing financing options to clients.

Offering this product to your clients is not just about growing your business; it’s about helping homeowners achieve financial goals that might have felt out of reach. With Conventional Cash-Out 90, your clients gain access to a highly flexible and streamlined refinance option. Let’s dive into the unique features of this program, how it can support your clients, and why it’s an excellent choice for real estate professionals aiming to stand out.

Understanding the Potential: What is Conventional Cash-Out 90?

• TAG Lending Group’s Conventional Cash-Out 90 is designed with real estate professionals in mind. This product allows borrowers to access up to 89.99% of their home’s value without the addition of mortgage insurance, something big banks and retail lenders rarely provide. This exclusive offering comes with competitive rates, which enhances its appeal among potential clients looking for options beyond traditional refinances.
  
  In practice, this product allows homeowners to convert the equity in their homes into cash, which can be applied toward consolidating debt, funding home improvements, preparing for tax season, or achieving personal goals. Whether your clients need to cover an emergency expense, pay for college tuition, or take a well-deserved vacation, this product gives them the flexibility to make it happen.

Why Real Estate Pros Should Take Notice: The Advantages for Your Clients

• As a real estate professional, your clients’ goals often align closely with financial planning, especially when it comes to leveraging property equity. Conventional Cash-Out 90 stands out from other products in this space because of its high Loan-to-Value (LTV) ratio of up to 89.99% without mortgage insurance. This flexibility allows your clients to unlock more capital than they could with a typical cash-out refinance, making it an attractive option.
  
  The absence of mortgage insurance is a standout feature, as MI often increases monthly costs and creates a potential barrier for clients interested in refinancing. This product, designed with simplicity and client needs in mind, has a clear path forward: a competitive rate, a streamlined application process, and broad approval eligibility with a FICO score of 680 or higher. When you present this product, you’re offering a solution that simplifies financial growth for clients without the usual hurdles.

Product Highlights: Key Features of Conventional Cash-Out 90

• Let’s break down some of the highlights of the Conventional Cash-Out 90 product. These features are specifically designed to support real estate professionals and provide real value to clients:

  1. Loan Amounts Up to Conforming Limits: This product is available up to standard conforming loan limits, ensuring wide access for a variety of homeowners.

  2. LTV Flexibility: With a minimum LTV of 80.01% and a maximum of 89.99%, Conventional Cash-Out 90 provides clients more access to their home equity than they would typically find elsewhere.

  3. No Mortgage Insurance Required: For clients, avoiding MI means lower monthly costs, making this an exceptionally cost-effective option for refinancing.

  4. 30-Year Term and 680+ FICO Eligibility: This refinance option is available for a 30-year term, providing fixed monthly payments that support long-term financial planning.

  5. Additional Eligibility Requirements: The product is Control Your Price eligible, making it flexible, but does require 6 months of seasoning if it’s being used to pay off a first-lien mortgage.

  These product highlights make Conventional Cash-Out 90 an exceptional choice for borrowers, but they also make it an ideal offering for real estate professionals who want to distinguish themselves in the market.

Growing Your Business with Conventional Cash-Out 90

• Offering the Conventional Cash-Out 90 product is a win-win for both you and your clients. For real estate professionals, it provides a unique way to enhance your portfolio of offerings, making your business more appealing to clients looking for options beyond traditional refinancing products. By providing access to up to 89.99% LTV without MI, you’re presenting a solution that is often hard to find among big banks and retail lenders.
  
  Refinancing products like Conventional Cash-Out 90 allow you to stay competitive in a fast-evolving market. When clients recognize the value and flexibility of this option, they’re more likely to trust your recommendations in the future. Not only will this help retain current clients, but it also opens doors to new opportunities as satisfied clients share their positive experiences with friends, family, and colleagues.

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