Easy, Fast, & Unlimited Cash Out.
Cash out up to 95% of the value of your home.
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Our Program Highlights
Perfect for homeowners looking to tap into their home equity for cash while keeping competitive loan terms.
- Loan Amounts: Up to $20M
- Geography: Nationwide in ALL 50 States
- Property Types: Residential, Commercial
- Occupancy: Long-Term or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs
- DTI: 43% - 55%
- LTVs: Up to 95%
- Credit Score: 660+
Do You Qualify for this Loan?
Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.
You’ll need a 660 score or better to qualify, with flexibility for strong financials.
Down payments start at 5%, depending on credit and loan amount.
You’ll need around 1-3% of the amount you’re financing for closing costs.
Less than 55% of your income should be going to pay debt.
Frequently Asked
Questions
Answers to questions about this loan we heard
from people like you during research.
A cash-out refinance is a refinancing of your mortgage in which you replace your current mortgage with a new one and take out additional money against the equity you've built over time. For example, if you have a home worth $500,000 and you owe $170,000 on it, you could refinance for a new mortgage of $220,000 and take out an additional $50,000 to use as cash for:
- Home Improvements
- Debt Consolidation (Credit Cards, Student Loans, Auto Loans)
- Purchase an Investment Property
- Paying for Your Child’s College Education
- Alternative Investments (Stocks, Bonds, Private Equity)
- Covering Emergency Expenses
For a traditional refinance loan, here is what you will need to provide:
- 2 years W2
- 2 years personal & 2 business tax returns (If applicable)
- 30 days pay stubs
- 2 months personal asset statements
- Drivers license
For a self-employed refinance loan, here is what you will need to provide:
- Minimum of 12 months business or personal bank statements
- Minimum of 1 year of Profit and Loss Statement Balance
- Minimum of 1 year 1099
Also required:
- •2 months personal asset statements
- Drivers license
- CPA letter to attest to your ownership
Most lenders allow you to cash out up to 80-90% of your home’s value, but this depends on factors like your credit score, loan type, and whether it’s a primary residence or investment property.
Lenders generally require you to own the home for at least 6-12 months before refinancing. However, if you've made significant renovations that increased your home's value, you may qualify sooner.
No! With the programs we have access to, you don't need PMI to qualify for a cash-out refinance.
All 50 States, Covered.
Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.
See Our Recent Fundings
We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.
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