Turn your home’s equity into cash.
Pay off high-interest credit cards, fund a renovation, or consolidate debt into one lower monthly payment — using the equity you’ve already built.
Crush high-interest debt
Replace 20%+ credit card interest with a single, lower mortgage-rate payment.
Fund renovations
Use your equity to remodel, add value, or make the home work for your life.
One simpler payment
Consolidate multiple bills into one predictable monthly payment.
“We wiped out $40k in credit-card debt and dropped our monthly payments by hundreds. No surprises at closing.”
Check Your Eligibility
No impact to your credit score to start.
Licensing varies by state.
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What is a cash-out refinance?
A cash-out refinance replaces your current mortgage with a larger one and gives you the difference in cash, letting you tap your home equity for renovations, debt payoff, or investments while keeping a single monthly payment. Pacific Lending offers cash-out refinances across a range of loan amounts and property types.
Built for current homeowners
Real advantages tailored to your situation.
Crush high-interest debt
Replace 20%+ credit card interest with a single, lower mortgage-rate payment.
Fund renovations
Use your equity to remodel, add value, or make the home work for your life.
One simpler payment
Consolidate multiple bills into one predictable monthly payment.
Access built-up equity
Home values have climbed — you may be sitting on more usable equity than you think.
How it works
Three simple steps from question to keys.
- 1
Share your numbers
Tell us your estimated home value and current loan balance.
- 2
Verify & review
Confirm your number and a specialist estimates your available cash-out.
- 3
Get your cash-out plan
Receive options showing your payment and how much cash you could take out.
Frequently asked questions
How much cash can I take out?
Most cash-out refinances let you borrow up to about 80% of your home’s value minus what you still owe. Give us your estimates and we’ll calculate a realistic range for you.
Is it smart to pay off credit cards this way?
For many homeowners, swapping 20%+ credit card interest for a much lower mortgage rate saves significantly each month. We’ll show you the real before/after so you can decide.
Will this reset my loan for 30 years?
It can — but you have options on term length. We’ll walk through the trade-offs between monthly savings and total interest so it fits your goals.
What do I need to qualify?
Generally enough equity, a qualifying credit profile, and the ability to repay. Exact requirements vary — tell us your situation and we’ll confirm.