Cash-out Refinance
Cash-out Refinance
Unlock Equity & Access Cash
Sometimes you need more than your monthly budget allows. Whether it’s high-interest debt, big renovations, or an urgent expense, your home’s equity can give you the breathing room you need. A cash-out refinance replaces your current mortgage with a larger one — paying off your balance and putting the difference directly into your hands.
At CreditReboot Mortgages, we make this process fast, digital, and tailored to your goals.
Why Choose a Cash-Out Refinance?
- Consolidate debt into one lower monthly payment
- Fund renovations or repairs that increase home value
- Cover major expenses like education, medical costs, or family emergencies
- Invest in opportunities without relying on expensive credit cards or personal loans
Instead of juggling high-interest debt, you can use your equity to simplify life and free up cash flow.
Start Your Pre-Approval Online —or Call Us Today!
Is it a right option?
- Credit Score: If your score doesn’t meet prime lender guidelines, you may need a sub-prime or private lender — which can mean higher rates and payments.
- Income (GDS/TDS): Your income must fit lender ratios. B-lenders are more flexible but often cost more than prime lenders.
- Market Rates: If today’s rates are higher than your current mortgage, expect your monthly payment to increase.
- Penalties: Breaking your existing mortgage may include penalties, which should be factored into your closing costs.
Why Homeowners Work With CreditReboot
Most banks only offer cookie-cutter refinancing with strict conditions. We take a different approach:
- Digital, streamlined approvals — apply online, get answers quickly
- Equity-focused solutions — we look at what you own, not just your credit score
- Access to private & alternative lenders — approvals even if banks won’t help
- Flexible terms — designed to give you options that fit your life today
- Long-term strategies — we don’t just arrange your refinance, we plan ahead so you can pay it off smarter
Type of Mortgages & Home Loans
What Our Clients Say
Expectations exceeded! Parm, I had an incredible experience working with you and I just want you to know how much I appreciate your service as a mortgage broker, as well how professional and efficient you are. All my requests for my mortgage was well taken care of and I couldn't ask for more. Once again thank you very much for your special service!
Claudia Ingabire
Parm definitely has a passion for what he does and you can tell he is very knowledgeable and precise when giving advice. His customer service is amazing and he makes you feel secure with the logistics of the transaction. He takes extra steps to be more helpful than he has to be. Thanks Parm for your service.
Oscar Diaz
CreditReboot Mortgages was great, Parm worked so hard and exceptionally fast to make sure our deal closed within a few days. There was no hassle, everything went seamlessly.Thank you to parm and his amazing team for making the whole process done and over with in the blink of an eye.Definitely will go back and refer to anyone looking for financial help.
Saalini Sawyers
You deserve a better option.
Being declined by banks can leave you feeling helpless and anxious about your finances. At CreditReboot Mortgages, we specialize in home equity solutions tailored for homeowners like you. We understand your uncertainty and aim to help you regain financial freedom. With a streamlined process and dedicated support, you can finally take control and breathe easy knowing you’re on the right path to improving your financial standing.