A cash-out refinance lets you tap into the equity you've built and use it for renovations, debt consolidation, college tuition, or anything else — at mortgage rates far lower than personal loans or credit cards.
USE CASES
Your home equity is one of the lowest-cost sources of capital available. Here's how homeowners use it.
Kitchen remodel, bathroom upgrade, addition, or landscaping. Reinvesting in your home can increase its value and your quality of life.
Avg. ROI on kitchen remodel: 60–80%
Pay off high-interest credit cards, auto loans, or student debt at a fraction of the interest rate. Turn 20%+ APR debt into 6–7% mortgage rate.
Save thousands in interest annually
Fund college tuition or other education expenses at mortgage rates — significantly lower than student loan rates.
Lower rates than most student loans
Use home equity as a down payment on a rental property or investment. Build wealth through real estate with your existing equity.
Leverage existing equity to grow wealth
Build a financial cushion for unexpected medical bills, job loss, or major repairs. Access cash now at low mortgage rates.
Financial security when you need it
Solar panels, EV charger, insulation, or HVAC upgrades. Reduce monthly utility bills while increasing your home's value.
Lower bills + higher home value
PROCESS
Simple 4-step process from application to cash in hand.
Submit your application in minutes. We'll review your equity, credit, and income to determine how much cash you can access.
A licensed appraiser determines your home's current market value. This establishes how much equity you have available to tap.
Our team processes your loan. We'll keep you informed every step of the way and handle all the paperwork.
Close your loan and receive your cash — typically within 3 business days of closing. Use it however you choose.
80%
Max LTV Available
30-45
Days to Close
$12B+
Loans Funded
4.9★
Customer Rating
FAQ
Fill out the form and one of our specialists will reach out within 24 hours with a personalized cash-out estimate.