Any lenders out there offering 100% VA cash out refinancing? I have done my homework, and this is the best option for me financially. (My wife and I want to stay in our home long-term, due to veteran's benefits I am property tax exempt, exempt from funding fees, we're ok with starting our loan over again at 30 yrs, etc). Problem is, I called a few lenders today, and they have given me the run around. For example, a recap of a Quicken Loans call today: Quicken Rep: "Uh...the VA does not authorize 100%....sure, maybe 80%..." Me: "Really? Well I happen to know that in fact the VA has authorized the 100% amount, but lenders have it at their discretion how much they wish to offer based on creditworthiness, veteran disability status, etc, all of which I qualify on." Quicken Rep: "Well....MAYBE we can go as high as %90. But that's the ceiling" Me: "OK, well, I only have $25,000 equity in my home, which is valued at $152,000 so that's not gonna work. I'd need a higher rate in order to use the cash-out to pay-off my outstanding loans/debts. Thanks for your ti--" Quicken Rep: "Wait! Wait! My boss is a veteran, and he takes care of veterans! Maybe we can go a little over 90%! Maybe 92-93%?!" Horse crap! I don't wanna freakin' haggle! Anyone here know of any legitimate lenders who may offer 100% VA cash out refis? I tried 3 different lenders today, all of them giving me the run-around (yes, I know they're businesses and want to make money). Googling just leads me to tons of ads, and I know next to nothing about the banking industry. Therefore, if someone has more inside/professional experiences, please share some potential lenders if you could. Thanks for reading guys, and if you think that doing a cash-out refinance is idiotic, (compared to filing bankruptcy, my other choice,) please be courteous enough to PM me instead of posting my foolishness in this thread. Have a good night/day all!