Access your home equity by refinancing for more than you owe and taking the difference in cash. Use the funds for debt consolidation, home improvements, investment properties, or any financial goal.
Everything you need to know about this loan program
We shop 20+ lenders to find you the best rate • As low as 6.875%
Rates from our lender partners, updated daily. As a broker, we compare rates from 20+ lenders to find you the best deal. Your actual rate may vary based on credit score, loan amount, and other factors. Call (805) 393-6278 for a personalized quote.
See if you qualify for this loan program
Not sure if you qualify? Let's find out together.
From application to closing in 6 simple steps
We'll review your current mortgage balance, estimated home value, and determine how much cash you can access. We'll also discuss your financial goals and best use of funds.
Submit your refinance application with income, asset, and credit documentation. We'll pull your credit and review your current mortgage terms.
A licensed appraiser will evaluate your home's current market value. This determines the maximum cash-out amount available to you.
Once approved, we'll lock your interest rate to protect you from market fluctuations. Rate locks typically last 30-60 days.
Our underwriting team verifies all documentation, reviews the appraisal, and ensures the loan meets all guidelines.
Sign your new loan documents and receive your cash proceeds. Refinances typically close in 30-45 days. You have a 3-day right of rescission before funds are disbursed.
Ready to get started? We can get you pre-approved in 24 hours.
See what your payment would look like in 30 seconds
Estimated Monthly Payment
$0
Get answers to the most common questions about Cash-Out Refinance
Get pre-approved in 24 hours with competitive rates and fast closings.
⚡ No credit impact • Free rate quote • $0 lender fees
Serving Oxnard, Ventura, Thousand Oaks, and all of Ventura County
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