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Home / Cash-out & HELOC
Use my equity

Put your home’s equity to work.

Fund a renovation, consolidate higher-interest debt, or seize the next opportunity — with a cash-out refinance or a home equity line, explained in plain English.

Check my options Call 480-588-0397

Who it’s for

Homeowners in Arizona, California, Colorado, and Nebraska who have built equity and want to access it — without the runaround, and with a clear picture of what it costs.

Two ways to tap your equity

  • Cash-out refinanceReplace your current loan with a larger one and take the difference in cash — one payment, one rate.
  • HELOC / home equity lineKeep your existing mortgage and draw from a revolving line as you need it.
  • Common, practical usesHome improvements, consolidating higher-interest debt, tuition, or an investment.
  • Guidance, not pressureWe’ll walk through which option fits and what it really costs — no pushing.

General guidelines

Typical starting points — your officer confirms what fits. Borrowing against your home means your home secures the debt.

Credit score
640+
Common target for equity products; varies by option.
Equity to keep
~20%
Lenders generally want equity remaining after you borrow.
Combined LTV
up to ~80%
Total borrowing vs. home value; varies by program.

Common questions

Cash-out refinance vs. HELOC — which is better?
A cash-out refinance replaces your mortgage with one new loan and rate; a HELOC leaves your mortgage in place and adds a flexible line you draw from. The right choice depends on your current rate, how much you need, and how you’ll use it. Your officer will compare both.
How much equity can I access?
It depends on your home’s value, your balance, and program limits — many programs let you borrow up to around 80% of your home’s value combined. We’ll estimate your available equity.
What can I use the money for?
Common uses include renovations, consolidating higher-interest debt, education, or investing. Because your home secures the loan, it’s worth a thoughtful plan — we’re happy to talk it through.
Does checking my options affect my credit?
An initial estimate uses a soft inquiry and won’t affect your score. A full application later involves a hard pull, which your officer explains first.
Ready when you are

See how much equity you can use.

Answer a few quick questions — no impact to your credit to check — and we’ll map out your options.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.