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.
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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
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.