Cash Out Refinance
Need Cash? Your Home Equity Might Be Able to Fund It.
A kitchen renovation, tuition, medical bills, a wedding, or a new business venture — a cash-out refinance lets you put your home's equity to work for whatever's next.
Free quote · Call or apply online · No obligation
The Idea
Stop Waiting. Start Building.
Big goals are easy to put off when the funding isn't there. Instead of draining savings or taking out a high-interest personal loan or credit card, a cash-out refinance lets you tap into the equity you've already built in your home to fund what's next — whatever that looks like for you.
-
May offer a lower interest rate than certain credit cards or personal loans, depending on your qualifications and current rates
-
May help simplify your monthly finances by consolidating eligible expenses into your mortgage payment
-
Access available home equity at closing — with funds that may be used for qualified expenses
-
Explore options for accessing home equity without necessarily using existing savings or retirement funds
Cash Out Refinance
What You Could Fund
Five common reasons homeowners tap their equity. Pick the one closest to your situation — and if your goal isn't here, it's still worth a call.
Home Remodel
Put equity back into the house it came from — whether that's a long-overdue kitchen or a repair that can't wait.
- Kitchen and bathroom renovations
- Room additions or extra bedrooms
- Finished basements or attics
- Backyard, deck, or outdoor living upgrades
- Major repairs — roof, HVAC, foundation
- Energy-efficient upgrades — solar, windows, insulation
Education
Tuition rarely arrives at a convenient time. Equity can cover it at a rate that beats most education financing.
- College tuition or expenses, for you or your kids
- Paying off high-interest student loans
Medical
Medical balances tend to land on credit cards by default. Rolling them into one payment usually costs far less.
- Major surgery or planned procedures
- Unexpected medical bills
- Dental work and other out-of-pocket costs
Life Events
The moments that reshape a household usually come with a price tag attached.
- Wedding expenses
- Starting or growing a family — adoption, IVF
- Divorce-related buyouts
Navigating a spousal buyout? Our dedicated Spousal Buyout page walks through that process in more detail.
Business & Investment
Equity is often the cheapest capital a homeowner has access to — no investor, no business-loan underwriting.
- Starting or investing in a small business
- Buying a second or investment property
- Funding a down payment on another home
How It Works
Four steps, and a real person at every one of them.
Reach Out
Call 910.227.4770 or fill out our quick form. No obligation, no pressure.
Talk Through Your Situation
A consolidation specialist reviews your current debts and home equity to see what's realistic for you.
Get a Personalized Plan
We'll walk you through what a consolidation refinance could look like — your new payment, what debts get paid off, and what it means for your monthly budget.
Close and Breathe Easier
Once approved, your qualifying debts are paid off directly, and you're left with one simple payment going forward.
Your goal doesn't have to wait.
Let's see how much of your home's equity could go toward what's next.
Who This Is For
Is a Cash-Out Refinance Right for You?
This may be worth exploring if you're a homeowner who:
-
Has a remodel, education cost, medical expense, life event or other major expense they’re considering
-
Is exploring alternatives to using high-interest personal loans, credit cards or other financing options
-
May have available equity in their home that could potentially be accessed through a cash-out refinance
-
Wants to explore using home equity rather than relying solely on existing savings to cover a major expense
"Providing elite-level speed and professional certainty to every homebuyer in the Southeast."
Our Mission
Frequently Asked Questions
How much can I access?
It depends on your home's current value, your existing mortgage balance, and your overall financial picture. We'll walk through your specific numbers on a call.
Do I need to know exactly how I'll use the funds before I call?
No, though it helps. Many homeowners talk to us early in the planning process — whether that's a remodel, tuition, a medical expense, or a business idea — to understand their budget before finalizing the details.
Is this better than a personal loan, credit card, or private loan for my goal?
Often, yes — refinance rates are typically lower than personal loan, credit card, or private loan rates, and you get one predictable monthly payment instead of a separate high-interest balance.
What's the difference between this and a rate and term refinance?
A cash-out refinance increases your loan balance to access your home's equity for a remodel, education, medical costs, a life event, or a business goal. A rate and term refinance keeps your loan balance essentially the same — you're only changing the rate and/or term. See that option here →
Do I need good credit to qualify?
Not necessarily. Every homeowner's situation is different, and qualification depends on several factors beyond credit alone. A free conversation with our team is the best way to know your options.
How long does the process take?
Timelines vary based on your goal and financial picture, but many homeowners complete the process in a matter of weeks. Call (XXX) XXX-XXXX for a personalized timeline.
Does checking my options affect my credit score?
An initial conversation and pre-qualification typically does not require a hard credit check. We'll always let you know before anything that could impact your credit.
Is there any cost or obligation to get a quote?
No. Getting your personalized options is free and comes with no obligation to move forward.
See What a Cash-Out Refinance Could Look Like for You.
Takes less than 2 minutes. Confidential, no obligation.