VA Cash-Out Refinance

Use your opportunity to take cash out of your home equity or refinance a non-VA loan into a VA loan using a VA Cash-Out refinance loan. Replace your existing mortgage with a VA Cash-Out refinance to pay off debt, pay for school, make home improvements, cover emergency expenses, and more.

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See what else people are saying...

Put Your Home Equity to Work

Take a closer look at the benefits of a cash-out refinance

Lower Refinance Rates

Refinance a non-VA mortgage into a VA loan, with a lower interest rate or better terms

Take Cash Out

Refinance your mortgage, tap into home equity, and get cash out

Finance up to 100% LTV

Refinance up to 100% of the home’s appraised value

Eliminate Mortgage Insurance

VA loans do not require PMI (Private Mortgage Insurance) like traditional home loans. Refinancing into a VA loan can remove this added cost.

Cash-out Consideration
  • Does require an appraisal
  • Does require credit underwriting
  • Does have closing costs
  • Cash taken out from refinancing must be repaid over the term of the new loans
Eligibility for VA Refinancing 

"I have gone through multiple home mortgage loan experiences throughout my life. Michelle and Kristie gave me the very best experience of all. I will certainly continue to use Veterans for my mortgage needs and recommend them to anyone, including Veterans, looking to purchase or refinance a home."


US Army, ME

"Thank you Brandi Reynolds and Kristie Head for your professionalism and timely assistance during our house refinance process. You were knowledgeable, informative and precise when providing answers to our loan questions. Great customer service overall!"


US Army, FL

"Jessie, Keeley, & Paul made my refinance process run smooth and simple!! I couldn’t have worked with a better Team than their A-Team!!! Communications is key in a process like refinancing and without it; it can make your whole experience sour. Thank You so much for making it so easy for me!! You guys Rock!!!"


US Army, GA

  • About

    A Cash-Out Refinance is Simple

    The process and eligibility for a Cash-Out Refinance is similar to that of a home purchase VA Loan. To start the process, contact one of our VA experts to use your earned benefit.
    Let's start an application 
    Find a Lender

    Terms and fees may vary, so contact several lenders to check out your options! To get started with call 1-888-988-0752 or start your free VA refinance quote online.

    Apply for Your Certificate of Eligibility

    You will need to show your COE to your lenders as proof you qualify for the VA home loan benefit.

    Provide Required Documentation

    In addition to your COE you will be required to provide


    Copies of paycheck stubs for the most recent 30-day period


    W-2 forms for the last 2 years


    Federal Income tax returns for the last 2 years


    Additional information may be requested

    Note: A home appraisal, for an assessment of value of your home, will be required

    Process for Closing

    You will be required to pay a one-time funding fee which helps lower the cost of the loan for U.S. taxpayers since the VA home loan program doesn’t require down payments or monthly mortgage insurance. With a refinance cash-out, all costs can be included in the new loan so you don’t have to pay up front.

Create a better financial future

Get Started for Free

To see if a VA loan makes sense for you, get started with a custom quote with no impact to your credit score
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