Cash-out refinance lets you access your home's equity for renovations, debt payoff, investments, or anything you need. Up to 80% LTV with competitive rates. Texas homeowners should also review the Texas cash-out rules.
Your home is your largest asset. A cash-out refinance lets you put that equity to work — or compare against a home equity line of credit if you want to keep your current rate.
Fund a kitchen remodel, add a pool, or build an addition. Home improvements often increase property value more than the cost of the project — building equity while you spend.
Pay off high-interest credit cards (18–25% APR) with your mortgage rate (6–7%). A $50K debt consolidation can save $500+/month in interest payments alone.
Use your equity to fund education, start a business, or invest in rental property. Mortgage interest is often tax-deductible — credit card interest never is.
Build a cash reserve for medical expenses, job transitions, or unexpected repairs. Access your equity on your terms rather than through high-interest emergency financing.
We estimate your home's current value and subtract your loan balance to determine how much cash you can access.
Decide how much cash you need. We structure your new loan to include the payout amount plus your remaining balance.
A professional appraisal confirms your home's value. Our underwriting team finalizes your approval — typically within 7–10 days.
Sign your new loan documents and receive your cash within 3 business days of closing. Your old mortgage is paid off automatically.
Run the numbers with our refinance calculator or the home equity calculator before you commit. These tools answer the questions every refi shopper asks.
Find out when your refinance pays for itself and whether the closing costs are worth it.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Common questions about accessing your home equity in Texas. Wondering whether to use a 401(k) instead? Read our take on using a 401(k) to pay off your house.
Home improvements. Debt payoff. Investments. Access what's yours, or talk to a loan officer first.
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