Light refracting through glass panels on a white surface

Today's cash-out refinance rates

30-yr fixed · cash-out refiLive
Rate
6.375%
APR
6.430%
Points
0.69
($3,045)
Price my cash-out

Sample scenario: $440,000 cash-out refinance on a $660,000 home (67% LTV), 740 FICO, single-family primary home, 30-day lock. Cash-out pricing adjusts with LTV and credit; we quote your exact file before you commit. Priced as of August 28, 2026 09:38 AM.

  • $0 lender fees on every loan
  • Compared against a HELOC first
  • Texas 50(a)(6) files handled correctly

Why HomePilot

Cash-Out Refinance loans, the wholesale way.

Equity, priced honestly

Cash-out carries pricing adjustments that rate-and-term doesn't. We show them instead of hiding them in the rate, so you know what the money actually costs.

HELOC comparison first

If your current first mortgage has a great rate, replacing it can be the expensive path. We run the cash-out against a HELOC side by side before you pick.

Wholesale pricing from 40+ lenders

The cheapest eligible lender wins your file. On cash-out, where adjustments stack, shopping wide matters even more.

$0 lender fees

No origination, processing, or underwriting fees from us, so more of the equity you pull actually lands in your account.

Texas done right

Texas home equity loans follow Section 50(a)(6) rules with their own limits and timelines. We structure those files correctly the first time.

Use it for what moves you forward

Renovations, high-interest payoff, an investment, tuition. We'll pressure-test the plan with real numbers, not sell you a bigger loan.

How people use it

Three ways this plays out.

Renovating the house you're in

Pull the budget at closing and pay contractors in cash. We compare the cash-out against a HELOC so the cheaper structure wins, not the familiar one.

Carrying expensive debt

Rolling 20%+ card balances into mortgage-rate money can free up serious monthly cash flow. We show the true cost both ways, including the longer payoff.

Buying your next property

Equity from the current home can fund the down payment on the next one, including rentals. We coordinate the cash-out with the purchase so the timing works.

Price my cash-out

The $500 Best Price Guarantee

Your equity took years to build. Don't hand a chunk of it back in markup.

If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.

Eligible offers, terms apply. Read the full terms

Send us your quote

Questions

Cash-Out Refinance loan questions, answered straight.

Conventional cash-out on a primary home typically allows up to 80% of the home's value, minus what you owe. Texas primary-home equity loans have their own 80% rule with extra requirements. We compute your exact number from a current value estimate.

Ready when you are.

Sixty seconds to your live quote. No Social Security number, no hard credit pull, no sales calls you didn’t ask for.

Price my cash-out