$1,850,000
Cash-Out Refinance
A retired couple with non-traditional income accessing equity in their Wake Forest home. Closed using asset depletion qualifying.
Wake Forest
Loan Program
Cash-Out Refinancing
The equity sitting in your home can work harder for you. A cash-out refinance turns it into funds for renovations, debt consolidation, or your next investment.
2 minutes
No SSN required
Free, no obligation
Program Highlights
Put Your Equity to Work1
New Loan, One Payment
A cash-out refinance replaces your existing mortgage with a new, larger one — rolling your payoff and cash-out amount into a single monthly payment.
Any
Purpose for the Funds
Renovations, debt consolidation, a down payment on another property, or simply liquidity — how you use the funds is up to you.
DSCR
Option for Rentals
Investment property owners can access equity through a DSCR cash-out refinance without personal income documentation.
Who It's For
For Homeowners & Investors With Equity.
Whether you own the home you live in or an investment property that's appreciated, if there's meaningful equity built up, a cash-out refinance can convert it into usable funds without selling.
Program Requirements
What Affects Your Cash-Out Amount.
Available equity, property type, and loan type all factor into how much you can access.
Primary, second home, or investment property
Conventional or DSCR cash-out options
Asset-depletion qualifying available
Debt consolidation eligible use
Renovation & investment use eligible
Nationwide availability
A Deal We Closed
Success Stories
FAQ
Cash-Out Refinance Questions
Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.
Contact UsIt depends on your property's value, existing loan balance, and program guidelines, but many programs allow access up to a meaningful portion of your equity while preserving a reasonable loan-to-value cushion.
Yes, a cash-out refinance replaces your current mortgage entirely, so your new loan will carry its own rate and term — we'll walk through the full comparison before you commit.
Absolutely. Many clients use the funds from a cash-out refinance as the down payment on an investment property or second home.
Not necessarily. Investment property owners can pursue a DSCR-based cash-out refinance, and some borrowers qualify through asset-depletion income calculations instead of traditional pay documentation.