VA Loan Product
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.
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.
The 100% LTV advantage
VA is the only loan that lets you pull every dollar of equity.
VA cash-out
100%
LTV, no PMI
Conventional
80%
LTV cap
FHA
80%
LTV cap
Some lenders apply their own overlay below that ceiling. Actual proceeds depend on the appraised value, payoff, fees, and underwriting approval. Read the full breakdown → or run your numbers →
Divorce & equity buyouts
An Owelty lien can keep the first mortgage in place.
In a divorce, one spouse often needs to buy out the other's equity but can't qualify for a full cash-out refinance. An Owelty lien is a second lien based on the divorce decree — it can solve the problem without touching the first mortgage.
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
- 1Prequalify in 15 minutes.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.