Denver, Colorado

In a market where rising consumer debt and limited equity are restricting homeowners’ financial flexibility, Jason Ruedy, known as The Home Loan Arranger, is educating borrowers on a powerful yet lesser-known strategy: a 90% loan-to-value (LTV) cash-out refinance with no private mortgage insurance (PMI).

Rather than introducing a new product, Ruedy is bringing attention to this underutilized financing option designed to help homeowners unlock more equity, consolidate high-interest debt, and significantly improve monthly cash flow.

“This is one of the most overlooked opportunities in today’s market,” says Ruedy. “Many homeowners assume they need to stay at 80% LTV to make a refinance work. What they don’t realize is there are options that allow them to go higher without PMI and that can completely change their financial situation.”

This strategy is particularly valuable for homeowners who fall just short of traditional equity thresholds. By accessing up to 90% of their home’s value, borrowers can consolidate credit cards, personal loans, and HELOCs into one streamlined payment often reducing monthly obligations by hundreds or even thousands of dollars.

Unlike conventional programs widely promoted by large banks, this solution is not always front-and-center, requiring guidance from a knowledgeable mortgage professional who understands how to structure these types of loans effectively.

Key advantages of this strategy include:

No PMI, even at higher LTV levels
Access to up to 90% of home value
Consolidation of high-interest debt into one payment
Improved monthly cash flow
Potential to skip up to two mortgage payments
Closings in as fast as nine business days

With more than 30 years of experience, Ruedy has built his reputation on helping clients identify opportunities others overlook delivering aggressive rates, fast closings, and customized solutions that align with each borrower’s financial goals.

“My role is to educate and guide,” Ruedy explains. “When clients understand their options, they can make smarter decisions whether that’s lowering their payment, getting out of debt faster, or creating more financial breathing room.”

Homeowners interested in learning how a 90% cash-out refinance with no PMI could fit into their financial strategy are encouraged to connect directly for a personalized review.

About Jason Ruedy:

Jason Ruedy, “The Home Loan Arranger,” is a Denver-based mortgage professional with over three decades of experience helping clients navigate complex financing scenarios. Specializing in cash-out refinances, debt consolidation, and fast-close loan programs, Ruedy focuses on educating homeowners and delivering strategic solutions that improve long-term financial outcomes.