{"id":1645,"date":"2019-10-10T05:02:18","date_gmt":"2019-10-10T12:02:18","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/?p=1645"},"modified":"2021-06-24T14:54:26","modified_gmt":"2021-06-24T21:54:26","slug":"what-is-a-cash-out-refinance","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/what-is-a-cash-out-refinance\/","title":{"rendered":"What Is a Cash-Out Refinance?"},"content":{"rendered":"\n<p><strong>By Rae Oakley, Flyhomes Mortgage<\/strong><\/p>\n\n\n\n<p>Are you looking to tap into your home\u2019s equity to accomplish financial goals? Then you might consider a cash-out refinance. Similar to a regular <a href=\"https:\/\/www.flyhomes.com\/blog\/the-beginners-guide-to-refinancing\/?ref=corefi\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">rate and term refinance<\/a>, you\u2019ll apply for and close on a new mortgage with a new rate that you\u2019ll pay back over a new term &#8230; except with cash out, you\u2019ll walk away with a certain amount of cash that you get to use as you see fit.<\/p>\n\n\n\n<p> <strong>How a cash-out refi works<\/strong> <br>Take the value of your home, subtract the outstanding principal balance on your mortgage, and you\u2019re left with the amount of equity in your home. When you apply for a cash-out refinance, you\u2019ll qualify to receive some of that equity as cash. Mortgage companies typically require <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.quickenloans.com\/learn\/how-a-cash-out-refi-can-help-you-accomplish-your-financial-goals\" target=\"_blank\">leaving behind 15-20%<\/a> of your equity in the home to reduce financial risk.<\/p>\n\n\n\n<p>For example, say you own a home valued at $550,000, and your mortgage balance is at $400,000. Your equity in the home is $150,000 ($550,000 &#8211; $400,000).&nbsp;<\/p>\n\n\n\n<p>To estimate how much cash you could take out, subtract 20% of your home\u2019s value: $150,000 &#8211; ($550,000 * 20%) = $40,000. Assuming your lender requires 20% equity to be left in your home, you might qualify for about $40,000 with a cash-out refinance!<\/p>\n\n\n\n<p> <strong>The benefits of a cash-out refi<\/strong> <br>A cash-out refi is based on your first mortgage rather than a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.flyhomes.com\/blog\/learn-how-to-unlock-with-home-equity\/?ref=corefi\" target=\"_blank\">separate loan or line of credit<\/a>. Typically, this means you\u2019ll get a better interest rate because your lender gets <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bankrate.com\/glossary\/f\/first-lien\/\" target=\"_blank\">first lien position<\/a> on your title. First position means that your lender will get paid out first in the event that you default on your home.&nbsp;<\/p>\n\n\n\n<p>In a lender\u2019s eyes, this reduces risk, which allows them to quote you a lower interest rate. This is great for you, because it also means you might be able to qualify for more cash out than if you went with a <a href=\"https:\/\/www.flyhomes.com\/blog\/learn-how-to-unlock-with-home-equity\/?ref=corefi\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">HELOC or Home Equity Loan<\/a>.<\/p>\n\n\n\n<p>What&#8217;s more, for those looking to keep things simple, a cash-out refi means you only have one monthly payment for your mortgage, which can certainly help with budgeting and keeping your finances organized.&nbsp;&nbsp;<\/p>\n\n\n\n<p> <strong>Summing it up<\/strong> <br>Cash-out refis work best if you:<br>&#8211; Have a sizable amount of equity in your home that will allow you to accomplish your financial goal <br>&#8211; Want to consolidate debts, renovate, or invest elsewhere at a relatively lower interest rate<br>&#8211; Want to only have one mortgage payment<\/p>\n\n\n\n<p>Not sure if a cash-out refi is the way to go? <a href=\"https:\/\/www.flyhomes.com\/blog\/learn-how-to-unlock-with-home-equity\/?ref=corefi\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Learn about other ways to unlock equity (opens in a new tab)\">Learn about other ways to unlock equity<\/a>. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n\n\n\n<p><br><\/p>\n<input type=\"hidden\" id=\"calendly_utm_post_id\" value=\"1645\" \/><input type=\"hidden\" id=\"calendly_utm_post_title\" value=\"What Is a Cash-Out Refinance?\" \/>","protected":false},"excerpt":{"rendered":"<p>Similar to a regular rate and term refinance, you\u2019ll apply for and close on a new mortgage with a new rate that you\u2019ll pay back over a new term &#8230; except with cash out, you\u2019ll walk away with a cash that you get to use as you see fit.<\/p>\n","protected":false},"author":148668397,"featured_media":1651,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[655421623],"tags":[59114,3225,655421869,655421651],"class_list":["post-1645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-mortgage","tag-real-estate","tag-refi","tag-refinancing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is a Cash-Out Refinance? 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