San Diego, California

With household debt climbing and many homeowners feeling squeezed despite strong property values, mortgage expert Jason Ruedy, known as The Home Loan Arranger, is helping San Diego homeowners understand a high-impact strategy: accessing up to 90% of their home’s value through a cash-out refinance without private mortgage insurance (PMI).

Ruedy is not introducing a new loan product, but rather bringing awareness to a financing option that remains largely underutilized and often overlooked by traditional lenders.

“Most homeowners assume they’ve hit a ceiling at 80% loan-to-value,” Ruedy explains. “What they don’t realize is there are programs that allow them to go higher, access more equity, and still avoid PMI. That can be a major shift for someone trying to get control of their finances.”

For borrowers carrying high-interest credit card balances, personal loans, or second mortgages, this approach can create immediate relief by consolidating multiple payments into one lower monthly obligation. In many cases, homeowners are able to significantly improve their cash flow while simplifying their overall financial picture.

Ruedy notes that this type of financing is not typically offered by large national banks, making it less visible to the average consumer. Instead, it requires working with a mortgage professional who understands how to navigate alternative lending channels and structure the loan correctly.

“This isn’t something you’re going to walk into a big bank and find,” says Ruedy. “It’s a specialized solution, and availability can be limited depending on market conditions and borrower profile. That’s why timing and guidance matter.”

Key benefits of this strategy may include:

Access to up to 90% of home value
No PMI, even at higher loan levels
Consolidation of high-interest debt into one payment
Potential for significantly lower monthly expenses
Opportunity to skip up to two mortgage payments
Fast closings, often in as little as nine business days

With more than 30 years in the mortgage industry, Ruedy has built his business around helping clients uncover opportunities beyond conventional lending. His approach focuses on education first ensuring homeowners fully understand their options before making financial decisions.

“People don’t need more stress they need clarity,” Ruedy adds. “When you show someone a way to reduce their payments and simplify their finances, it creates real momentum. That’s what this is about.”

Because these programs are not widely available and can be subject to change, homeowners are encouraged to reach out directly to explore whether they qualify and how the strategy could apply to their situation.

About Jason Ruedy:

Jason Ruedy, “The Home Loan Arranger,” is a mortgage professional with over three decades of experience helping homeowners and investors navigate complex lending scenarios. Known for delivering creative financing strategies, fast closings, and competitive pricing, Ruedy specializes in cash-out refinances, debt consolidation, and non-traditional loan solutions designed to improve long-term financial outcomes.