Cash-Out Refinance

Use your home's equity to consolidate debt and fund your goals.

Get Your Free Cash-Out Quote

Takes about a minute. No impact to your credit score.

Unlock Your Equity's Potential

Your home's equity is a powerful financial tool. A cash-out refinance lets you access it to achieve your goals.

Tackle High-Interest Debt

Pay off high-interest **credit cards and personal loans**. By rolling them into your new mortgage, which often has a much lower interest rate, you can reduce your total monthly payments and simplify your finances into a single, manageable bill. This can also **improve your credit score** by lowering your credit utilization ratio.

Invest In Your Home

Fund that dream kitchen, bathroom remodel, or home addition you've been planning. Using your equity for **value-add renovations** can increase your property's value and your enjoyment of it, all while securing a fixed rate that's typically lower than other financing options like personal loans.

Fund Major Life Goals

Life's big moments sometimes require capital. Access cash for **college tuition, starting a business, or other investment opportunities**. A cash-out refinance provides a lump sum of cash, giving you the financial flexibility to pursue your ambitions or create a robust emergency fund.

See How Much You Could Simplify

Add up your current monthly debt payments to see your total. A cash-out refi can roll these into one.

Estimate Your Available Cash-Out

Quick estimate using a typical 80% LTV cap. This is not a commitment to lend.

Frequently Asked Questions

How much can I take out?
Most conventional cash-out refinance programs allow you to borrow up to **80% of your home's appraised value** (Loan-to-Value, or LTV). The final amount depends on your credit score, property type, and specific loan program.
How can this refinance improve my credit score?
When you use the cash to pay off revolving debts like credit cards, you lower your **credit utilization ratio** (how much credit you're using vs. your total limit). This ratio is a major factor in credit scoring models, and a lower utilization can often lead to a significant score increase.
Will this affect my credit score initially?
Submitting our form for a quote starts with a **soft credit pull**, which does not affect your score. If you decide to move forward with a full application, a hard credit inquiry will be required by the lender, which may cause a temporary, minor dip in your score.