Get Cash From Your Home


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If you’re looking for some extra cash, whether it’s for home improvements, college tuition or paying off some debt, refinancing your home to take advantage of its equity can be a way to get the funds. You may hear the term “Cash Out Refi” to describe these types of home loans.

To get cash from your home, you can do a couple of things. You can get a line of credit (Home Equity Line of Credit) or you can refinance your mortgage and get the extra cash at closing (Cash-Out Refinance).

To learn which home loan program is right for you, and to discuss the pros and cons of each, contact one of our Home Loan Experts near you or call us at 1-866-934-7283.

What Is Home Equity?

Equity is the difference between how much your home is worth minus how much you still owe on your mortgage. It’s basically your ownership interest in your home.

For example, say you buy a home for $200,000, made a down payment of $20,000 and borrowed $180,000. Five years down the road, you’ve paid $13,000 of your mortgage off, you still owe $167,000, and your home’s value has increased to $220,000.

To determine your equity, you take what your home’s current value is ($220,000) and subtract the amount that’s still owed ($167,000) – in this case, your equity would be $53,000.

Why Get Cash From My Home Loan?

One of the reasons people refinance to get cash from their home equity is to pay for home improvements. These improvements can increase the home’s value and make it more enticing to potential buyers when the owners eventually sell their home.

There are also several other types of reasons homeowners may refinance to get cash from their home. Life is full of the unexpected and if you ever face a large payment that you didn’t plan for, such as medical expenses or unemployment, or if there’s a big ticket purchase on your agenda, like education tuition or a new car, your home’s equity could help you pay for these expenses.

Check to see how much it will cost you refinance.

Home loan underwriting standards are fairly specific and tight about how much equity you may be able to draw from a mortgage refinance. Call us at 1-866-934-7283 to talk to a Home Loan Expert or find one near you.

Why Use Guaranteed Rate For Your Cash-Out Refinance?

Our home loan experts are wherever you are – with more than 170 offices nationwide, you’ll easily be able to find one near you!

Guaranteed Rate’s goal is to bring low rates, personalized loan options and unbeatable service to all of our customers. We make it easy and affordable to achieve your home financing goals!

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