Cash-out refinance
Turn equity into money, with the trade-offs on the table.
A cash-out refinance replaces your mortgage with a larger one and hands you the difference. Done for the right reason at the right cost, it is a powerful tool: one fixed payment, often at a rate far below cards and personal loans. Done casually, it trades cheap equity for expensive habits. We price it honestly either way.
Debt consolidation
Roll high-interest balances into one payment. We compare your blended cost before and after, not just the shiny new payment.
Home projects
Fund renovations at mortgage rates. We size the loan to the quotes, not to the maximum you can technically pull.
Major expenses
Education, family needs, opportunities. Equity is an asset; we help you spend it deliberately.
Keeping your first mortgage instead
If your current rate is excellent, replacing it may be the wrong move. A HELOC or home equity loan can win; see the comparison.
Things we will tell you upfront
- Equity requirements cap how much cash is available; the maximum is rarely the smart amount.
- Texas homeowners: state law (the 50(a)(6) rules) limits cash-out size, timing, and fees. We structure around it.
- Consolidation only works if the underlying spending stops; a lower payment is not a license to reload balances.
- If keeping your current loan and adding a second lien is cheaper, that is the recommendation you will get.