Cash Out Refinance
Access the Equity You’ve Built
Use your home’s value to unlock extra funds for what matters most.
Whether you're renovating, consolidating debt, funding a big life event, or simply want a financial buffer — cashing out some of your home equity could be the smart move. We make the process smooth, fast, and transparent.
What Is a Cash Out Refinance?
Cash-out refinancing allows you to replace your existing mortgage with a new one that’s larger than what you currently owe, essentially letting you borrow against the equity in your home. The difference is paid to you in cash — and you can use it for things like home improvements, investments, or other expenses.
Why Consider Cash Out?
-
Fund Renovations
Improve your space and add value to your home.
-
Pay Off High-Interest Debts
Roll multiple payments into one, often at a lower rate.
-
Cover Big Expenses
From weddings to medical bills — free up funds when you need them.
How It Works
We Review Your Equity Position
We assess your current loan, property value, and financial goals.
Compare Lenders + Rates
We’ll find the right solution with competitive rates and flexible features.
Refinance + Access Funds
You receive a lump sum once the refinance settles — simple.
Ready to Put Your Equity to Work?
Your home’s value has grown — now it’s time to make it work for you.
Frequently Asked Questions
How much equity do I need to access a cash out loan?
Most lenders require you to keep at least 20% equity in your home after cashing out. We’ll help assess your current property value and how much you can realistically access.
Will cashing out affect my borrowing power?
Yes — accessing equity can increase your loan amount, so lenders will reassess your ability to manage the new repayments. We’ll guide you through this to ensure everything stays within your comfort zone.
Can I use the funds however I like?
Not always. Some lenders may have restrictions, especially if you're planning to use the funds for things like business ventures or large investments. We'll help you find a lender whose policies align with your intended use.
What can I use the cash out for?
Common uses include renovations, debt consolidation, investing, or funding major life expenses. It's your equity — we’ll help you use it wisely.
Do I need to refinance to access equity?
In most cases, yes. Accessing equity typically involves refinancing your current mortgage to increase your loan amount. We’ll handle the process and compare lenders to get you the best option.