Cash-Out Refinance
Access Your Home Equity
Turn your home equity into cash. Competitive rates, close in 20-30 days, use funds for anything. No credit impact to get a quote.
Get a Quote Here
Refinance
Why choose a cash-out refinance
Turn your home equity into working capital with a low-interest loan and flexible terms.
Use Funds for Anything
No restrictions
Debt consolidation, home improvements, investment properties, education, or major purchases. Your equity, your choice.
Competitive Rates
Lower than personal loans
Cash-out refinance rates are typically much lower than credit cards, personal loans, or HELOCs because your home secures the loan.
Fast Close
20–30 days
Get your funds quickly. Most borrowers close in under a month and receive their cash at closing.
How it works
Get your quote
Chat with our cash-out specialist or fill out the quick form. We’ll calculate how much equity you can access.
Submit docs & appraisal
Provide income verification and schedule an appraisal. We handle the rest and keep you updated throughout.
Close & get cash
Sign documents and receive your cash at closing. Most closings happen in 20–30 days.
Do you qualify?
Most homeowners with equity qualify. Check these requirements:
Ready to access your home equity?
Get your personalized cash-out quote in 60 seconds. No credit impact. No obligation.
Cash-Out Refinance FAQs
How much cash can I get with a cash-out refinance?
Most lenders allow you to cash out up to 80% of your home’s value. For example, if your home is worth $500,000 and you owe $300,000, you could potentially access up to $100,000 cash ($500k × 80% = $400k max loan – $300k current balance).
What can I use the cash for?
Anything! Common uses include: debt consolidation, home improvements, buying an investment property, college tuition, starting a business, emergency expenses, or major purchases. There are no restrictions on how you use the funds.
How long does a cash-out refinance take?
Most cash-out refinances close in 20–30 days, similar to a standard refinance. You’ll need an appraisal, which typically takes 1–2 weeks to schedule and complete.
Will a cash-out refinance hurt my credit score?
Getting a quote does not impact your credit. Once you apply, there will be a hard credit inquiry, but this is a normal part of the mortgage process and the impact is minimal (typically less than 5 points).
What are the costs of a cash-out refinance?
Typical closing costs range from 2% to 5% of the new loan amount. These include appraisal, title, escrow, and lender fees. In many cases, you can roll these costs into the new loan so you pay nothing out of pocket.
Do I need 20% equity to do a cash-out refinance?
Yes, most lenders require you to maintain at least 20% equity after the cash-out. So if you want to pull cash out, you typically need more than 20% equity to start with.
Can I do a cash-out refinance in California?
Yes. LoanAll.com is a licensed California mortgage broker (CA DRE #01212512, NMLS #2787839) and handles cash-out refinances throughout the state. Use Form Instead → for a free quote.
Quick Cash-Out Quote
Fill out the form below and we'll calculate how much equity you can access.
LoanAll.com · CA DRE #01212512 · NMLS #2787839
Licensed California Mortgage & Real Estate Broker
888-421-1117 · info@loanall.com
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