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Cash-Out Refinance

Can I Consolidate Other Debt by Refinancing?
Can I Access the Equity in My Home?

Cash-out refinancing allows borrowers to access the equity in their homes and get cash at closing. The existing home mortgage and any liens on the property are paid off and replaced with a refinanced mortgage.

Debt Consolidation

Many people use cash-out mortgage refinances to pay off debt such as installment loans, auto loans, and student loans, or to consolidate debt into fewer payments. A cash-out refinance may require outstanding debt be paid off as part of the transaction.

Home Remodeling, Home Improvements and Other Expenses

Cash-out refinances are also often used to fund home remodeling and home improvements or other expenses.

U.S. Bank offers two types of cash-out refinance loans:

  • Conventional cash-out
  • Government FHA/VA cash-out refinances

For help determining the type of refinancing option that’s best for you, please contact a U.S. Bank Loan Officer.


More Resources for First-Time Home Buyers

Need help getting through the process?

Call 877-303-1640 today to get started, or contact a local U.S. Bank Home Mortgage Loan Officer.


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Loan Approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

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