Your Home Has Built Wealth.
It's Time to Use It.
Turn your home equity into cash — for renovations, debt payoff, college tuition, or investments. Keep your home and access the money you've already earned.
No credit pull required. A licensed loan officer will reach out within 1 business day.
Refinance Your Mortgage and Pocket the Difference
A cash-out refinance replaces your existing mortgage with a new, larger loan — and the difference comes to you as cash at closing. No second mortgage, no separate payment. Just one loan with access to your equity.
- Use Your Built-Up Equity
Years of mortgage payments and rising home values have created equity. A cash-out refi lets you turn that into spendable funds without selling.
- One Simple Payment
Unlike a HELOC or home equity loan, you keep just one monthly payment — no juggling multiple loans or variable rate lines of credit.
- Potentially Tax-Advantaged
When cash is used for home improvements, the interest may be tax deductible. Consult your tax advisor for details.
- Access Up to 80% of Your Home's Value
Most conventional cash-out programs allow you to borrow up to 80% LTV, keeping healthy equity in your home.
Put Your Equity to Work
Your cash, your choice. Here are the most popular ways our clients put their equity to work.
Home Renovation
Upgrade your kitchen, add a bathroom, or build the addition you've always wanted — and increase your home's value at the same time.
Most Popular UseDebt Consolidation
Pay off high-interest credit cards, auto loans, or personal loans with a single, lower-rate mortgage payment. Free up hundreds per month.
Avg. savings: $400–$800/moCollege Tuition
Fund your child's education with your home equity. Often a lower rate than student loans with more flexible repayment terms.
Lower than student loansReal Estate Investment
Use your equity as a down payment on a rental property or investment home — grow your wealth without touching your savings.
Leverage your equitySecond Home or Vacation Property
Your primary home's equity can become the down payment on your dream cabin, beach house, or mountain retreat.
Down payment sourceEmergency Fund or Major Expense
Medical bills, business opportunity, or a financial cushion — cash-out puts liquid funds in your hands when life calls for it.
Flexible use of fundsHow Much Cash Could You Access?
Enter your home details to estimate your available cash-out amount.
Your Home Details
* Estimates only. Actual amounts depend on appraisal, credit, and lender guidelines.
Your Estimated Results
* This is an estimate only. A home appraisal determines final value. Contact us for an accurate quote based on your specific situation.
Requirements for a Cash-Out Refinance
Most homeowners with equity qualify. Here's what lenders typically look for.
🏠 Home Equity
You'll need at least 20% equity remaining in your home after the cash-out.
📊 Credit Score
A minimum 620 score for conventional. Higher scores unlock better rates.
💼 Income Verification
Standard W-2, self-employed, or alternative income documentation accepted.
📅 Seasoning Period
You must have owned the home for at least 6–12 months depending on the program.
📉 Debt-to-Income
Most programs allow up to 43–50% DTI depending on compensating factors.
🏡 Property Type
Primary, second homes, and investment properties all eligible — rates vary.
- Cash-Out Refinance ✓ One payment · Fixed rate option · Access large amounts · Replaces existing mortgage
- HELOC Variable rate · Second payment · Draw as needed · Works as a credit line
- Home Equity Loan Fixed rate · Second payment · Lump sum · Smaller amounts
- Personal Loan Much higher rates · No equity needed · Smaller amounts · Shorter terms
Not sure which product is right for you? Tell us your goal and our team will show you every option — including which one saves you the most money.
Talk to a SpecialistFrom Application to Cash in Hand
Our streamlined process gets you to the closing table — and your cash — as quickly as possible.
Free Equity Review
We analyze your home value, current mortgage, and equity position to show you exactly how much cash you can access.
Application & Appraisal
We order your home appraisal and process your application. Our team handles the coordination to keep things moving fast.
Approval & Disclosure
You'll see your full loan terms — new rate, payment, cash amount — before signing anything. No surprises, ever.
Close & Receive Cash
Sign your documents, wait 3 business days for the rescission period, and your funds are wired directly to you.
Homeowners Who Put Their Equity to Work
We pulled $85,000 out to do a full kitchen and master bath remodel. The process was so smooth — Accurate had us closed in 26 days and the appraisal came in exactly where they predicted.
I had $42,000 in credit card debt at 22% interest. Used my equity to pay it all off at mortgage rates. My monthly outgo dropped over $900. Should have done this years ago.
Used $120,000 from my primary home's equity as a down payment on my first rental property. Accurate walked me through every step. Now I have two properties and passive income.
Find Out How Much Cash Your Home Can Unlock
It takes 5 minutes to find out. No credit pull, no commitment — just real numbers from a licensed loan officer.