If your home has appreciated, a cash-out refinance lets you access that equity without selling. You keep the property, get the cash, and we close in 21 days.
Get a cash-out quote
Tell us about your property.
Ari explained the whole cash-out process in a way that actually made sense and was available every time I had a question. Had a lot of equity sitting in the house I wasn't doing anything with and he helped me figure out how to put it to work. Really solid experience.
Michael T.The Bedrock Mortgage team was fantastic. We had a lot of back-and-forth questions and they were patient with every single one. Got a rate that made way more sense than what our credit union quoted. Very happy we reached out.
Amy & Greg S.Most people don't realize how much equity they've built since they bought. You can access it at a fixed mortgage rate — which is typically the cheapest rate available — without selling or touching your first mortgage structure.
Kitchen, bathrooms, additions. Using equity instead of a construction loan means a single fixed payment and a significantly lower rate.
Rolling high-interest debt into your mortgage replaces multiple variable-rate payments with one fixed payment at a fraction of the interest rate.
Pull equity from your primary home to fund a down payment on a rental. It's a common way to start building a real estate portfolio without liquidating other assets.
Fund a startup or scale an existing business using your home equity. Typically more flexible than an SBA loan and with a lower rate than most business financing options.
Replace your existing mortgage with a new one at a higher balance and receive the difference as cash at closing.
→Pull equity from a primary home to fund an investment property, qualify on rental income, not personal income.
→Not ready to cash out? Just lower your rate. Even 0.5% less saves tens of thousands over the loan term.
→Above conforming loan limits? We do jumbo cash-out refinances on luxury Florida properties with no jumbo premium.
→We need your current mortgage balance, an estimate of your home's value, and your credit score. From there we can show you how much equity you can access and what rate you'd qualify for.
Once you decide how much you want to take out, we lock your rate and start collecting the documents needed to process. Your loan officer handles the appraisal order and title work.
Your current mortgage is paid off and replaced with a new, larger loan. The difference between the two is yours to use however you need.
Closing takes about 45 minutes. The existing mortgage is paid off, the new loan funds, and the cash difference is deposited to your account within a few days. Average time from application to funded is 21 days.
Most lenders allow up to 80% LTV. If your home is worth $500K, you can borrow up to $400K total. Subtract your current mortgage balance to see your cash-out amount.
Yes, because you're borrowing more. However, if you're consolidating high-interest debt, your total monthly payments may actually decrease. We'll show you exact numbers before you commit.
Cash-out refinancing replaces your existing mortgage with one new fixed-rate loan. HELOCs are second mortgages with variable rates. Cash-out typically offers lower rates and fixed payments.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents required upfront.
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