FindMortgageOnline

How it works

  • 1
    Complete Our Questionnaire
    Answer a series of questions regarding your current financial status and additional demographic information.
  • 2
    Compare Solutions
    We search our provider network and find the right financial options that are a best fit for your unique situation to access the cash you need.
  • 3
    Connect with Providers
    Connect with a provider to help you with your financial needs.
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Cash-out refinancing allows homeowners to tap into the equity they've built up in their property. It works by replacing your current mortgage with a new one, often at a higher amount. The difference between the old loan balance and the new loan amount is “cashed out” to you as a lump sum, which can then be used for various purposes.

What is a Mortgage Refinance?

Mortgage refinancing involves replacing your current mortgage with a new one, typically under different terms. Homeowners might refinance to secure a lower interest rate, adjust the length of the loan term, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage. Another common reason for refinancing is to access some of the home equity that has built up over time, which can be done through a few different methods.
Mortgage Refinance
  • 1
    Debt Consolidation
    Pay off high-interest debts like credit cards or personal loans.
    Combine multiple debts into one manageable monthly payment.
    Potentially lower your overall interest rate.
  • 2
    Home Improvement
    Fund major renovations or repairs like remodeling a kitchen, adding a bathroom, or upgrading appliances.
    Increase your home’s value by improving curb appeal or modernizing interiors.
  • 3
    Emergency & Household Expenses
    Cover unexpected expenses like job loss, medical emergencies, or urgent car repairs.
    Fund household necessities such as appliance replacements, utility bills, or essential home maintenance.
    Create a financial cushion to handle unpredictable situations without resorting to high-interest credit.
  • 4
    Taxes
    Settle outstanding tax debts to avoid penalties or liens.
    Plan ahead by setting aside cash to cover future property taxes or income tax payments.
    Consolidate multiple tax liabilities into one manageable payment using lower-interest mortgage funds.

Home Equity Alternative Solutions

Alternative solutions like shared equity agreements, reverse mortgages, and hybrid products are available for homeowners who may not qualify for traditional refinancing or home equity options.
Home Key
Home Agreement
  • Shared Equity Agreements

    Allow homeowners to receive cash upfront in exchange for sharing a portion of their home’s future appreciation with an investment company.

  • Reverse Mortgages

    Are available to older homeowners, allowing them to convert part of their home equity into cash without having to sell the home. This loan is typically repaid when the homeowner moves out or passes away.

  • Hybrid Products

    Combine elements of loans and investments, offering more flexible ways to access home equity.

Home Key
Home Agreement
Mortgage refinancing and home equity products offer a range of options to help homeowners achieve their financial goals. Whether you’re looking to access cash, manage debt, or fund large expenses, understanding the different types of refinancing and how they work is key to making the best decision for your situation. Each option—whether it’s a cash-out refinance, home equity loan, HELOC, personal loan, or an alternative solution—serves different needs and comes with its own set of considerations.