Access equity from your property with flexible refinance solutions nationwide. Pull cash for renovations, investments, debt consolidation, or liquidity needs.
A straightforward process to access your home's equity quickly and efficiently.
Provide your property information, loan details, and equity position. We'll assess your eligibility and options.
Receive rate quotes and cash amount estimates based on your property value and credit profile.
Our team reviews your application and provides a formal term sheet with final terms.
Property appraisal is ordered to confirm value and determine maximum equity access.
We finalize all documents and answer your questions before closing.
At closing, you receive your cash and your new refinanced mortgage is in place.
Homeowners and investors access cash-out refinance funds for a variety of strategic and practical needs:
We finance cash-out refinances across a wide range of residential and investment properties:
Underwriting criteria based on asset position, income structure, and borrower profile—not credit score alone.
Credit scores below 620 evaluated on case-by-case basis. Recent late payments (30–60 days) and collections assessed within underwriting context. Asset-backed and equity-based programs minimize traditional credit reliance. Strong payment history on existing liens favored; charge-offs aged 2+ years acceptable under program guidelines.
Bank statement programs (12–24 months) for self-employed and 1099 borrowers. Business entity income and rental property cash flow eligible via DSCR qualification. W2 income standard but not required. Reduced reliance on pay stubs; income verified through tax returns, profit/loss statements, and business bank statements.
Typical LTV up to 70–75% depending on asset quality and borrower profile. Minimum 10% equity required for standard programs; higher equity tier thresholds available for premier rates. Equity serves as primary risk mitigation factor in underwriting. Property appreciation and market conditions affect maximum leverage available.
First-time refinance borrowers welcome with sufficient equity cushion. Investor experience and multi-property portfolio holders qualify for DSCR and investment-specific programs. Self-employed borrowers with 2+ years established business track record evaluated favorably. Documentation of prior real estate transactions strengthens application profile.
Bank statements (12–24 months) primary income documentation for non-traditional earners. DSCR qualification requires no personal income verification. Asset-based underwriting available for borrowers with limited traditional documentation. Tax returns, P&L statements, and rental income ledgers accepted. Minimal documentation programs for experienced investors.
Nationwide lending in all 50 states. State-specific program variations account for local regulations and market conditions. Portfolio lending available for multi-unit properties and mixed-use assets. Loan structures customized based on property type, borrower profile, and market dynamics. Terms and pricing adjusted for geographical risk factors.
Real examples of how homeowners and investors use cash-out refinancing to achieve their goals.
Scenario: $500K primary home, $350K existing loan, wants to renovate kitchen and bathrooms.
Solution: Refinance for $425K, receive $75K cash for renovations, lower payment.
Scenario: $1.2M rental portfolio, wants down payment for second property investment.
Solution: Cash-out refi for $200K, use for down payment, DSCR pricing.
Scenario: $450K home, $300K mortgage, $50K high-interest credit card debt.
Solution: Refinance for $350K, pay off debt, reduce overall interest cost.
Scenario: Secondary investment property worth $350K, needs quick access to capital.
Solution: Cash-out refinance with minimal documentation, 48-hour term sheet.
Scenario: Primary home with $200K equity, business needs working capital.
Solution: Access $150K via cash-out refi, flexible business income documentation.
Scenario: Homeowner with credit challenges needing funds and looking to rebuild.
Solution: Flexible underwriting, cash access, and path to better terms in future.
Common questions about cash-out refinancing and how it can work for your situation.
