To help lenders get started with originating Refi Plus™ loans under the manual underwriting option with LTV ratios of 105.01-125 percent, Fannie Mae will make this option available for whole loan committing beginning August 1 -- one month sooner than the September 1 date included in Announcement 09-23: Updates to Home Affordable Refinance -- 125 Percent LTV Limit for Refi Plus Loans. ...