Refinance
Cash-Out Refinance
Turn equity into cash for what matters.
Access
Up to 80% of value (typical)
Use of funds
Your choice
Rate type
Fixed available
Terms
15–30 year
Overview
A cash-out refinance lets you tap your home's equity for renovations, debt consolidation, or investment — replacing your mortgage with a larger one and taking the difference in cash.
Best for
- Funding home improvements
- Consolidating higher-interest debt
- Accessing equity for investments
When it's not the fit
- Your current rate is far below today's rates
- A HELOC would preserve your low first-mortgage rate
How it works with BISU
- 1
We estimate your available equity.
- 2
We compare cash-out refi vs. HELOC to protect your low rate when relevant.
- 3
We structure the payoff and cash-in-hand.
- 4
We close and fund.
Frequently asked
Should I do cash-out or a HELOC?
If your first-mortgage rate is low, a HELOC often makes more sense. If rates have dropped or you want one fixed payment, cash-out can win. We'll compare both.
Compare with other programs
View all loan programs →