Turn Your Equity Into Opportunity
A cash-out refinance lets you tap into your home's equity for major expenses—home improvements, debt consolidation, education, or anything else you need.
How It Works
Access Your Home's Built-Up Value
A cash-out refinance replaces your current mortgage with a new, larger loan. The difference between your old balance and the new loan is paid to you in cash, which you can use however you choose.
Smart Uses
Put Your Equity to Work
Your home equity is one of your most valuable financial assets. A cash-out refinance gives you access to it at mortgage rates.
Home Improvements
Finance renovations and upgrades that increase your home's value. Kitchen remodels, additions, and energy efficiency upgrades are popular investments.
Debt Consolidation
Replace high-interest credit card and personal loan debt with a single, lower-rate mortgage payment. The average credit card APR is over 15%—mortgage rates are a fraction of that.
Education Expenses
Fund college tuition or trade school for yourself or your children at mortgage rates, which are typically much lower than private student loan rates.
Financial Flexibility
Build an emergency fund, invest in a business, or cover major life expenses. Your equity gives you options that other financing can't match.
80%
Max Loan-to-Value
15%+
Avg Credit Card APR
30yr
Terms Available
Questions & Answers
Frequently Asked Questions
A cash-out refinance replaces your current mortgage with a new loan for more than you owe. The difference is paid to you in cash at closing. For example, if your home is worth $400,000 and you owe $250,000, you could refinance for $320,000 and receive $70,000 in cash (minus closing costs).
Ready to Unlock Your Equity?
See how much cash you could access with a cash-out refinance. Apply today and put your home's value to work for you.