With a cash-out refinance, you take a portion of your equity and then add what you’ve taken out onto your new mortgage principal. This means your new mortgage would be worth $160,000 – the original $140,000 you owed on the home plus the $20,000 you need for renovations. Your lender will give you the $20,000 in cash a few days after closing. 1. Check The Requirements. 2. Determine How Much Cash You Need.
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