Cash-out refi

Turn home equity into money in your pocket

Tap into your home’s equity and get cash for major expenses, debt consolidation, and more.

Lock in the right rate at the right time

Discover competitive rates, updated daily.

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Rates as of January 16, 2026

Access up to 80-90% of your home's equity
Consolidate high-interest debt into a single, lower monthly payment
Fund major home renovations, increasing your property's value
Cover important expenses like education costs, medical bills, or other financial needs
Return to us for refinancing or home purchases with $0 bank fees

Minimum credit score of 620, exceptions may be considered.
Debt-to-icome ratio below 45%, with some flexibility
Must have at least 10% home equity
Property must be primary residence, second home, or investment property
Must be able to demonstrate stable income and ability to repay the new loan amount

Not sure if refinancing is right for you? Talk to our equity specialist or check out other ways to leverage your home’s equity.

With reliable and easy to understand answers.

How much cash can I get from my home?
Depending on your home’s value and existing mortgage balance, you may be able to access up to 80-90% of your home’s equity. Our loan officers can help calculate the specific amount available to you.
Will my monthly payment increase?
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How quickly can I complete a cash-out refinance?
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Is this different from a home equity loan?
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Find out exactly how much money you can save with a customized refinance loan that makes sense.