Homeowner considering a cash out refinance

Cash-Out Refinance Loans in Southlake, TX

Your home has likely gained value—why not put that equity to work? A cash-out refinance lets you replace your current mortgage with a new one while taking out cash for the things that matter most. At Assurance Home Loans, we help Southlake homeowners turn equity into opportunity.

What Does “Cash-Out” Mean in a Refinance?

A cash-out refinance replaces your existing mortgage with a larger loan. You receive the difference between what you owe and your home’s value in cash, which you can use for home improvements, paying off debt, funding education, or investing in new opportunities.

Smart Ways to Use Your Equity

Remodel or renovate your home
Consolidate high-interest debt (like credit cards or personal loans)
Pay for college or tuition
Cover large medical expenses
Start a business or invest in real estate
Create an emergency fund

Why Homeowners Love Cash-Out Refi Options

Unlock cash from your home without selling
Potential to lower your interest rate
Replace high-interest debt with a lower-rate mortgage
Interest may be tax-deductible (consult a tax pro)
One easy monthly payment instead of multiple debts

How We Make the Cash-Out Process Simple

Free Equity Review – We evaluate your home’s current value
Loan Strategy Session – We compare options based on your goals
Application & Rate Lock – You choose your best-fit refinance
Appraisal & Underwriting – Confirm value and finalize documents
Closing & Cash Out – Funds are delivered, and you’re in control

More Than a Mortgage—A Financial Strategy

We help you use equity strategically—not just spend it
Transparent breakdown of how much cash you can access
Multiple lender options for best-fit terms
Fast closings, clear communication
Local experts who care about long-term outcomes

Want to See How Much Cash You Could Access?

Your equity could be the key to financial freedom, home upgrades, or debt relief. Let’s find out how much you can take out—and what makes the most sense for your situation.

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Cash-Out Refinance FAQs

How much equity do I need to qualify?

Most lenders require you to keep at least 20% equity in your home after the cash-out.

Is the money I receive taxable?

No. Because you’re borrowing against your home, it’s not considered taxable income.

Will my monthly mortgage payment go up?

It depends on your new loan amount, term, and interest rate. We’ll run the numbers and compare options for you.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.