Explore Flexible Cash-Out Refinance Solutions Tailored to You
Access the equity in your home with a flexible cash-out refinance—ideal for debt consolidation, home improvements, or building long-term wealth.
Top 5 Benefits of a Cash-Out Refinance Loan
Access the value in your home with a flexible refinance option. Whether you're upgrading your home, paying down debt, or reinvesting in property, a cash-out refinance can unlock financial freedom and peace of mind.
What Is a Cash-Out Refinance?
A cash-out refinance allows homeowners to replace their current mortgage with a new, larger loan and take the difference in cash. It's a popular strategy to access built-up home equity and use it for home improvement, financial goals, or investment opportunities.
This solution is available through FHA, VA, and conventional loan programs. At Menage Mortgage, we help clients in Florida, Texas, and Georgia find the right refinance solution to make their equity work harder for them.
Loan Options for Refinancing
- FHA Cash-Out
- VA Cash-Out
- Conventional Refinance
- FHA Streamline (no appraisal)
- VA IRRRL / VA Streamline (VA loans only)
- Rate & Term (lower your monthly payment)
We guide you through the refinance loan process based on your needs, equity, and long-term goals.
Know Your State Guidelines
- Texas: Refinance loans must follow Section 50(a)(6) of the Texas Constitution. Borrowing is limited to 80% LTV. See Texas rules.
- Florida: Explore local assistance programs and closing cost credits available to Florida homeowners.
- Georgia: Georgia residents may qualify for title fee discounts and regional refinance grants. Ask us for more details.
Common Questions About Refinancing
How much can I borrow?
Most lenders allow up to 80% of your home's value minus the current balance. State laws may affect eligibility and terms.
Can I use the funds for anything?
Yes. Equity cash can be used for remodeling, paying down credit cards, tuition, or investing in a second property.
Are FHA and VA loans eligible?
Absolutely. Both FHA and VA offer refinance options that provide equity access with competitive interest rates.
Get a Personalized Refinance Plan
See how much equity you can access and get expert help choosing the right loan. We’re here to guide you with honest advice and fast results.
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