Explore whether your property equity may support your next goal.
A cash-out refinance may allow eligible homeowners or investors to access part of the available property equity while replacing the current mortgage.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- Homeowners with equity
- Property investors
- Borrowers planning improvements
- Borrowers reviewing liquidity needs
Common uses
- Property improvements
- Business needs
- Investment needs
- Debt restructuring
- Liquidity planning
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Estimated property value
- Current loan balance
- Requested loan amount
- Loan purpose
- Income documentation
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about Cash-Out
General guidance to help you decide what to ask.
Is equity access guaranteed?
No. Cash-out availability depends on property value, loan amount, borrower profile, and lender requirements.
Can cash-out be used for investment needs?
Eligible scenarios may be reviewed. Final use and availability depend on lender and underwriting requirements.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved