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No-impact credit check. No commitment.</p><div class="blog-cta-buttons"><a href="https://app.lower.com/mortgage/lightspeed/purchase" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🏡</div><div>Buy a home</div></div></a><a href="https://app.lower.com/mortgage/lightspeed/refinance" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🤘</div><div>Refinance</div></div></a><a href="https://app.lower.com/mortgage/lightspeed/heloc" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">💸</div><div>Access equity</div></div></a></div></div><div class="content-spacer-medium"></div><div class="content-container"><div class="divider w-condition-invisible"></div></div><div class="content-container-small top-m-10vh"><div Classes="grey-box" class="article-content w-richtext"><p>There are many ways to access your <a href="/home-equity/home-equity-loans">home’s equity</a>, such as a HELOC, home equity loan, and cash-out refinance. While many homeowners are familiar with a HELOC (real estate agents often push it), it’s not always the best option for homeowners. If you’re exploring your options, a cash-out refi might be a versatile solution.</p><p>Typically, homeowners associate a refinance with trying to earn a lower rate. However, cash-out refinancing goes beyond interest rates, offering a way to restructure your overall financial picture and health.</p><h3><strong>What is a Cash-Out Refinance?</strong></h3><p>A cash-out refinance replaces your existing mortgage with a new, larger loan so you can take the difference in cash. The amount you can access depends on your home’s equity and loan terms. In general, mortgage lenders allow you to borrow up to 80% of your home’s value.</p><h3><strong>What are the interest rates?</strong></h3><p>Unlike variable-rate loans like HELOCs, cash-out refinances have fixed interest rates. This means your monthly payment stays consistent – no surprises down the road. Plus, in some cases, the rate on your new mortgage could be lower than what you’re currently paying. </p><h3><strong>How much cash can I access?</strong></h3><p>The amount you can access depends on your home’s equity and loan terms. Typically, lenders allow you to borrow up to 80% of your home’s value. </p><p>A simple way for calculating cash-out refinance options is to take your home value x 80% and subtract your current mortgage balance. The result is your potential cash-out amount. Remember that this varies for everyone based on their specific situation, but that will give you a general idea of what you can refinance and cash out.</p><h3><strong>How do homeowners use the cash?</strong></h3><p>A money-out refinance isn’t just about pulling cash – it’s about smart financial moves. Here’s how homeowners often use their funds:</p><ul role="list"><li><strong>Consolidating High-Interest Debt:</strong> Pay off credit cards, personal loans, or other high-interest accounts to save money in the long run.</li><li><strong>Major Life Events:</strong> Whether it’s a wedding, college expenses, or planning for a family, a cash-out refi can help you manage significant milestones.</li><li><strong>Home Improvements:</strong> Invest in renovations or upgrades to boost your home’s value (and quality of life!)</li></ul><h3><strong>Is a cash-out refi right for you?</strong></h3><p>If you’re sitting on home equity, a cash-out refinance could be a game-changer. It’s all about calculating your needs and aligning them with your financial goals. Explore your options for accessing your equity and see how a refinance and cash out stacks up against alternatives like HELOCs. Your home’s equity isn’t just an asset – it’s an opportunity. 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Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of <strong id="mortgage-date-text" class="legal-date-text">03/17/2025</strong>. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.</p><p>© 2025 Lower, LLC | NMLS#1124061 | <a target="_blank" href="http://www.nmlsconsumeraccess.com/">www.nmlsconsumeraccess.com</a> | 2021 Lower Holding Co. Lower is a family of Companies. 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