Cash-Out Refinance: Unlock Your Home's Equity
Explore cash-out refinance and mortgage refinance options to access eligible home equity. Compare taking cash out with rate-and-term refinancing for your goals.
Cash-Out Refinance and Mortgage Refinance Options
Cash-Out Refinance
Most PopularA cash-out refinance replaces your existing mortgage with a larger loan and may let you take cash out from eligible home equity. Homeowners often use the funds for improvements, debt consolidation, or other major goals.
- Access up to 80% of your home's value
- Consolidate high-interest debt
- Fund home improvements or investments
- One low monthly payment
Rate & Term Mortgage Refinance
A rate-and-term mortgage refinance can help you explore a lower rate, a different loan term, or both without taking cash out. It may reduce your monthly payment or total interest over time.
- Lower your monthly payment
- Reduce total interest paid
- Switch from ARM to fixed rate
- Shorten your loan term
Cash-out refinance guides
Explore clear, homeowner-focused resources about refinancing, home equity, loan-to-value, costs, and comparisons.
Run Your Mortgage Refinance Numbers
Estimate what a cash-out refinance or mortgage refinance could look like before you talk to anyone.
Your Estimate
Estimate based on 6.99% rate, 30-yr term, 80% max LTV. For illustration only.
Understand Your Cash-Out Refinance Options
Education for Homeowners Nationwide
Explore cash-out refinance topics and request more information from anywhere in the United States.
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Clear educational guidance for evaluating refinance concepts.
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