VA Cash-Out RefinanceAccess Up to 100% of Your Equity
Refinance your existing VA loan and borrow against your home's equity. Access cash for any purpose - home improvements, debt consolidation, or major expenses.
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VA Purchase Loans
Buy your home with no down payment and competitive VA loan rates.
View GuideVA IRRRL (Streamline)
Refinance your existing VA loan with minimal paperwork and reduced documentation.
Learn MoreVA Cash-Out Refinance
CurrentAccess your home's equity while refinancing with up to 100% of your home value.
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Build your dream home with VA loan benefits, including land purchase and construction.
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Renovate or improve your existing home with VA benefits and renovation financing.
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Estimate your monthly payments, funding fees, and total loan costs with our VA calculator.
Calculate NowAll VA loan programs are designed exclusively for veterans, active duty military, and eligible spouses.
Compare with other loan typesVA Cash-Out Calculator
Use our free VA cash-out calculator to see exactly how much cash you can access from your home's equity. Get instant results with detailed breakdown of your new loan amount, monthly payment, and cash-out amount.
VA Cash-Out Calculator
Calculate how much cash you can access from your home's equity
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Cash-Out Summary
VA Cash-Out Refinance Analysis
What is a VA Cash-Out Refinance?
A VA Cash-Out refinance allows eligible veterans to refinance their current mortgage and borrow against their home's equity. This program offers up to 100% financing and can be used to consolidate debt, fund home improvements, or access cash for any purpose.
Maximum Cash Out
Access up to 100% of your home's value
Flexible Uses
Use funds for any purpose with no restrictions
Better Terms
Potentially lower your rate while accessing equity
Common Uses
- Home improvements and renovations
- Debt consolidation
- Education expenses
- Emergency funds
- Investment opportunities
- Major purchases
Ready to Get Started?
Our VA refinance experts are here to help you access your home's equity.
VA Cash-Out Quick Facts
Why Choose Us?
Why Choose a VA Cash-Out Refinance?
Access your home's equity with flexible terms and competitive rates
Maximum Equity Access
Access up to 100% of your home's appraised value. Unlike conventional cash-out refinances that typically limit you to 80% LTV, VA loans allow you to tap into more of your equity.
- Up to 100% loan-to-value
- No PMI required
- Competitive interest rates
Flexible Use of Funds
Use the cash from your refinance for any purpose. There are no restrictions on how you spend the money, giving you complete flexibility.
- Home improvements
- Debt consolidation
- Any other purpose
VA Loan Benefits
Enjoy all the benefits of a VA loan, including no PMI, competitive rates, and flexible qualification requirements.
- No private mortgage insurance
- Lower interest rates
- Flexible credit requirements
Common Uses for VA Cash-Out Refinance
Discover how veterans are using their home equity to achieve their financial goals
Home Improvements
Renovate your kitchen, add a room, or upgrade your home's energy efficiency. Home improvements can increase your property value while making your home more comfortable.
Debt Consolidation
Pay off high-interest credit cards, personal loans, or other debts. Consolidating debt can lower your monthly payments and save money on interest.
Education Expenses
Fund college tuition, vocational training, or continuing education for yourself or family members. Invest in education to increase earning potential.
Emergency Fund
Build or replenish your emergency savings. Having cash reserves provides financial security and peace of mind for unexpected expenses.
Investment Opportunities
Invest in real estate, stocks, or start a business. Use your home equity to grow your wealth and diversify your portfolio.
Major Purchases
Buy a vehicle, boat, or other large purchase. Instead of high-interest financing, use your home equity for better rates.
Ready to Access Your Home Equity?
Join thousands of veterans who have accessed their home equity with a VA cash-out refinance. Use our calculator above to see how much cash you can access, then get pre-qualified today.
Explore All VA Loan Programs
Browse our complete collection of VA loan options
VA Purchase Loans
Buy your home with no down payment and competitive VA loan rates.
View GuideVA IRRRL (Streamline)
Refinance your existing VA loan with minimal paperwork and reduced documentation.
Learn MoreVA Construction Loans
Build your dream home with VA loan benefits, including land purchase and construction.
Start BuildingVA Renovation Loans
Renovate or improve your existing home with VA benefits and renovation financing.
Renovate NowVA Loan Calculator
Calculate your monthly payments, funding fees, and total loan costs.
Calculate Now