Up to 80% LTV at mortgage rates, not credit card rates. Access your equity in 21 days and put it to work.
Replace your mortgage with a new one at a higher balance. Pocket the difference at mortgage rates, not 20% credit card rates.
→ For InvestorsPull equity from a primary home to fund an investment property, qualify on rental income, not personal income.
→ Lower Your RateNot ready to cash out? Just lower your rate. Even 0.5% less saves tens of thousands over the loan term.
→ High Net WorthAbove conforming loan limits? We do jumbo cash-out refinances on luxury Florida properties with no jumbo premium.
→You've built equity. A cash-out refinance lets you access it at mortgage rates, the cheapest money available, instead of burning a credit card or taking out a business loan at 20%.
Calculate Your Options →Kitchen, bathrooms, additions. Rates beat construction loans by 3–5%.
Pay off 20% credit cards at a 6% mortgage rate. Save hundreds monthly.
Use equity as a down payment on rentals. Leverage your home to build a portfolio.
Fund your startup or scale an existing business. Rates beat SBA loans with more flexibility.
We appraise your home to determine current value, then subtract your mortgage balance to see exactly how much you can access.
Decide how much you need. We can typically lend up to 80% of your home's value minus what you currently owe.
Your existing mortgage is paid off and replaced with a new, larger loan at current market rates. One payment, one lender.
At closing you receive the difference as cash, deposited directly to your account. Use it for renovations, investments, or anything else.
"Took out $125k at 6.75% and used it for down payments on 2 rental properties that now cash flow $800/month combined, more than covering the extra mortgage payment. Leveraging equity to buy income-producing assets. This is how you build wealth."
"Took out $75k for kitchen renovation at 6.5%. Credit union wanted 9.75% on a HELOC. This way it's all in one loan at a way better rate."
"Had $43k in credit card debt at 19–24% APR. Pulled $45k at 6.8%. Paid off all the cards. Legitimately life-changing."
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.