Home / Blog Blog What a cash-out refinance is, how the math works, and what it costs — explained in plain English by a lender that shows you the numbers first.
Read article → Conventional cash-out loans on a 1-unit principal residence have an 80% maximum LTV. See how to calculate what you could take out — with worked examples.
Read article → Refinancing replaces your mortgage with a new one. How the process works, what it costs, and what to check first — with no credit impact to see your options.
Read article → A refinance is generally worth it when the savings outlast the break-even point. See the simple math, with worked examples — no credit impact to check yours.
Read article → See what refinancing costs, who gets paid, and which charges the lender sets. Read your Loan Estimate line by line, including credits and escrow.
Read article → Learn what a mortgage recast changes, how it differs from refinancing, and why principal paid down belongs apart from fees in a cost comparison.
Read article → NMLS #2771910 • Equal Housing Lender Arizona Mortgage Banker License BK-2015848
Toll-Free: 844-656-3151 • For company licensing information, visit NMLS Consumer Access .
Rates subject to change without notice. Actual interest rates and annual percentage rates (APR) will vary based on borrower creditworthiness, loan amount, loan-to-value ratio, lock-in period, property type, and loan purpose. This is not a commitment to lend or a rate quote. All loans subject to borrower and property qualification, appraisal, and final credit approval. Refinancing may result in higher total finance charges over the life of the loan.
Cash to close is the amount of funds a borrower must bring to closing to complete the transaction. $0 cash to close is only available to eligible borrowers and is not available on all loan products or in all states. Consult your Loan Estimate for exact figures. $0 cash to close requires financing closing costs into the loan amount. Third-party fees — including but not limited to title, appraisal, recording, and attorney fees — as well as prepaid items such as homeowners insurance, property taxes, and per diem interest are not lender fees and may still apply. A borrower's actual cash to close amount will vary based on loan type, loan amount, property, and borrower eligibility. Athena AI Holdings Inc, NMLS #2771910.
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TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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