现金出让再融资是用较新的贷款取代你现有的房屋贷款。这两种贷款的区别在于你从房屋总资产中提取的现金数额。同样的资产净值直接影响到你通过现金出让再融资能够获得多少现金。一旦提取了现金，如何使用就没有限制了。
现金出让再融资的过户费用在贷款总额的2-6%之间，在过户时从你的 "现金出让 "中扣除。由于利率较高，许多借款人选择用抵押贷款点数来降低利率，因此，现金支付的过户费用通常高于其他再融资方案。这些可选择的抵押贷款点数会增加你的成交费用。你的具体套现再融资成交费用是基于你的贷款规模、期限长度和信用评分。
Cash-out refinancing is available to homeowners with both conventional and government-backed mortgages. Along with the equity requirements, individual providers or loan types may have specific criteria- such as minimum credit scores or requirements to have owned the home for a minimum amount of time. There are some exceptions to the minimum time of ownership; the death of a homeowner, inheritance or legal divorce, fall under this criteria.
Most providers require you to retain 20% equity in your house after the cash-out is complete. This is called having a loan-to-value (LTV) ratio of 80%. Maintaining 20% ownership of the property ensures you can avoid paying private mortgage insurance (PMI). It can also help to prevent you from owing more than your home is worth if market conditions change. For any questions regarding our refinancing program contact us through our website or give us a call. Our award-winning team is ready to help you with your current or future refinancing plans today
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Disclaimer: This calculator is provided for informational purposes only. It is not an indication of loans available through Quintessential mortgage Group, LLC.
