Your home's been working. Time it pays you back.
Turn the wealth you've built in your home into spendable cash. Swap your current mortgage for a bigger one and walk away with the difference, for the kitchen reno, the credit-card payoff, the tuition bill, or that idea you can't stop thinking about.
- Borrow up to 80% of your home's value
- One simple payment, no second loan to juggle
- Close in as little as 21 days
You could access
$180,000
Up to 80% loan-to-value
Equity available
$180k
spend as you like
Close in
21 days
our average
Sample numbers. Yours will be specific to you.
The money is yours. Spend it on what matters.
A few of the most common (and smartest) ways people put cash out funds to work.
Home renovations
Kitchen, bath, the long-overdue addition. Reinvest in the asset and bump your home's value while you're at it.
Pay off high-interest debt
Trade 22% credit-card APR for mortgage rates. Fewer bills, way less interest, real breathing room.
College tuition
A friendlier rate than most student loans, with terms that won't follow your kid around for 20 years.
Down payment on a second home
Use your equity to put money down on a rental or vacation place. One asset funding the next.
Big life moments
Wedding, new business, the trip you've been talking about for years. The cash is yours to use.
Emergency cushion
Lock in a meaningful safety net at today's rate, before you actually need it.
Real people.
Real numbers.
Real relationships.
We treat your equity like it's our own, straight talk, honest math, and the willingness to tell you when a cash out isn't your best move.
Straight talk on numbers
We'll show you the full picture, closing costs, lifetime interest, the works. No cherry-picked teasers.
We'll tell you not to
If a cash out doesn't pencil for you, we'll say so. Our job is your best move, not selling you a bigger loan.
Fast where it counts
21-day average close. Get the cash in your account without the months-long corporate runaround.
Three steps from equity to actual dollars.
No mystery, no runaround. Here's exactly how your cash out unfolds with us.
- 01
Quick chat
Tell us your goal and ballpark your home's value. We'll show you what's possible, soft credit pull only.
- 02
Apply & appraise
Upload a few documents from your couch. A pro confirms today's value. We handle the rest.
- 03
Close & cash out
Sign the papers, the money lands in your account, and your new payment kicks in next cycle.
Need flexibility instead of a lump sum? There's a better tool.
A Home Equity Line of Credit works like a credit card backed by your home, without touching your existing mortgage rate. Great when you want to draw cash over time, not all at once.
Explore HELOCDraw what you need, when you need it
Revolving line, borrow, repay, borrow again during the draw period.
Interest-only payments
Lower monthly payments during the draw window keep your cash flow flexible.
Keep your low first-mortgage rate
Locked in a great rate years ago? A HELOC sits on top, so you don't have to refinance the whole loan.
Perfect for staged projects
Renovations that roll out over time, tuition by semester, or any expense in chapters.
Questions? We've got you.
Cash out vs HELOC
Two ways to tap equity
Ready to put your equity to work?
Three minutes, soft credit pull, a real human follow-up within the hour. No pressure, no jargon.
Don't want to lose that low rate on your first mortgage? Let's talk HELOC.
If you locked in a great rate years ago, a cash out refi means giving it up. A HELOC sits on top of your existing mortgage, so you keep your low first-lien rate and only borrow what you actually need, interest-only on the amount you use.