VA Cash-Out Refinance
Turn your home's equity into flexible cash for renovations, tuition, or debt payoff — up to 100% loan-to-value with a VA cash-out refinance.
Quick answer
A VA cash-out refinance replaces your current mortgage, VA or not, with a new VA loan and can pay you part of your equity. VA policy allows up to 100% of appraised value; many lenders set a lower limit, and the funding fee and closing costs reduce what you receive.
Educational program overview. Whether Bolt Home Loans LLC can offer this loan to you depends on your state, eligibility, property, and underwriting approval. No rates or terms are quoted here.
Take equity out of your home for what matters — a renovation, a business, tuition, debt payoff — with the borrower protections VA loans are known for.
VA permits cash-out refinancing up to 100% LTV under its program rules.
A lender may set a lower maximum. Actual proceeds depend on the appraisal, existing debt and liens, closing costs, any funding fee, eligibility, and loan approval. Read the full breakdown → or run your numbers →
Divorce equity payouts and owelty liens (Texas).
In Texas, an owelty lien created by court order or written agreement may secure one spouse's equity payout as an alternative to refinancing it all. It does not by itself release anyone from the existing loan or restore entitlement; counsel, title, the lender, and the servicer each handle their part.
What you get
- Borrow up to 100% of home value
- Consolidate high-interest debt
- Fund home improvements or education
- Available on non-VA loans too
How it works
- 1Start a prequalification inquiry.No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
- 2Get your COE.We pull it for you in most cases through the VA's system.
- 3Close with a dedicated loan officer.Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.