VA Cash-Out Refinance: Tap Into Your Equity—Tax-Free
You Earned the Equity—Now Put It to Work.
For eligible veterans and active-duty service members, a VA cash-out refinance offers a powerful way to tap into your home equity—with no PMI, competitive rates, and more flexible guidelines than most other programs.
You can refinance any current mortgage (even conventional or FHA), pull out cash, and still enjoy the benefits of a VA-backed loan.
What Is a VA Cash-Out Refinance?
A VA cash-out refinance replaces your existing mortgage with a new, larger VA loan—letting you convert your home’s equity into tax-free cash.
Why Use a VA Cash-Out Loan?
- Consolidate high-interest debt
- Fund home renovations or additions
- Invest in real estate or business ventures
- Pay for college or large one-time expenses
- Refinance an FHA or conventional loan into a VA loan
Who Can Qualify for a VA Cash-Out Refinance?
To qualify, you must:
- Be eligible for a VA loan (active duty, veteran, reservist, etc.)
- Live in the home as your primary residence
- Meet VA credit and income guidelines (580+ score is preferred)
- Have sufficient entitlement (we’ll help you verify)
Even if your current loan is NOT a VA loan, you can refinance into one using this program.
Loan Limits & LTV Guidelines
- You can typically borrow up to 90% of your home’s appraised value
- In some cases, 100% LTV may be approved by certain lender.
- VA Funding Fee applies (unless exempt), but can be rolled into the loan
Final Word: Use What You’ve Built to Build Even More.
With a VA cash-out refinance, you can access capital without sacrificing your home—and often reduce your payment or get better terms in the process. You served. You invested. Now it’s time to maximize it.
Schedule a Free VA Equity Review
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
- Only 2 minutes to complete
- Quick turnaround on pre-approval
- No credit score impact
Got a Few Questions First?
Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
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