Cash-Out Refinance
Convert built-up equity into funds for a renovation, a consolidation, or a larger goal, all in one new first mortgage. Powerful when it’s purposeful, and worth weighing carefully when it isn’t.
Is this you?
How it works
A cash-out refi pays off your existing loan and gives you the difference in cash, up to a percentage of your home’s value.
The best cash-outs fund things that build value or cut higher-interest costs. We’ll pressure-test the ‘why’ with you before the ‘how’.
Sometimes a HELOC is the cheaper, more flexible way to reach equity. We’ll compare both rather than default to one.
What you’ll bring
A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.
Common questions
Often up to about 80% of your home’s value, minus what you still owe. We’ll calculate your available equity precisely.
It depends on rate, amount, and how you’ll use the funds. We’ll lay both side by side, no pressure toward either.
Possibly, since the loan is larger and cash-out pricing differs. We’ll show the full payment picture before you decide.
Keep exploring
A flexible line of credit against your equity.
Learn moreLower your rate without pulling cash out.
Learn moreCash-out on a higher-value property.
Learn moreThis page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.
Get started
One conversation tells us whether this is your best move, or whether something else fits better. No pressure either way.
