# CashOut by The Mortgage Calculator

> CashOutRefinance.loans is an educational and lead-generation website operated for Mortgage Calculator Company LLC d/b/a The Mortgage Calculator, NMLS #2377459. It explains home equity options and links to the company’s existing quote form.

Canonical website: https://cashoutrefinance.loans/
Company: https://themortgagecalculator.com/
Updated: 2026-11-12

## Important context

- A HELOC or second mortgage can retain an eligible first mortgage. A cash-out refinance replaces it.
- Instant refers to a digital application or preliminary decision process, not guaranteed approval or immediate funding.
- All programs require applicable credit, property and underwriting approval. State and program restrictions apply.
- The company is not licensed or conducting business in New York.
- Calculator figures and guide examples are illustrative, not financing offers.
- This index is a navigation aid. It does not guarantee inclusion or recommendation by any search or AI service.

## Financing options

- [Instant HELOC](https://cashoutrefinance.loans/instant-heloc/): Explore instant HELOC options with digital verification, automated valuation and a fast online process through The Mortgage Calculator.
- [Cash-Out Refinance](https://cashoutrefinance.loans/cash-out-refinance/): Compare cash-out refinance options for a primary home, second home or investment property, including conventional, FHA, VA, jumbo and Non-QM programs.
- [Conventional Cash-Out Refinance](https://cashoutrefinance.loans/conventional-cash-out/): Explore conventional cash-out refinancing with The Mortgage Calculator. Compare equity, income, occupancy, closing costs and your existing mortgage.
- [FHA Cash-Out Refinance](https://cashoutrefinance.loans/fha-cash-out/): Learn how an FHA cash-out refinance differs from an FHA streamline, and request a personalized cash-out quote through The Mortgage Calculator.
- [VA Cash-Out Refinance](https://cashoutrefinance.loans/va-cash-out/): Explore VA cash-out refinancing for eligible veterans, service members and surviving spouses. Compare costs, eligibility and cash-out terms.
- [Jumbo Cash-Out Refinance](https://cashoutrefinance.loans/jumbo-cash-out/): Compare jumbo cash-out refinance programs, documentation options, reserves and costs through The Mortgage Calculator.
- [DSCR Cash-Out Refinance](https://cashoutrefinance.loans/dscr-cash-out/): Explore DSCR cash-out refinancing for investment properties. Compare rent, loan payments, reserves, prepayment terms and estimated proceeds.
- [Self-Employed Cash-Out Refinance](https://cashoutrefinance.loans/self-employed-cash-out/): Explore bank-statement, 1099, P&L, asset-based and traditional cash-out options for self-employed borrowers through The Mortgage Calculator.
- [Investment Property HELOC](https://cashoutrefinance.loans/investment-property-heloc/): Explore investment-property HELOC options, including eligible instant HELOC programs advertised up to 90% CLTV through The Mortgage Calculator.
- [Fixed-Rate Second Mortgage](https://cashoutrefinance.loans/fixed-second-mortgage/): Compare fixed-rate second mortgage options for cash out without replacing the first mortgage through The Mortgage Calculator.
- [Bank-Statement HELOC](https://cashoutrefinance.loans/bank-statement-heloc/): Explore bank-statement HELOC and second-lien alternatives for qualifying self-employed borrowers through The Mortgage Calculator.
- [Investor & DSCR Second Mortgages](https://cashoutrefinance.loans/investment-property-second-mortgage/): Explore investor fixed second and DSCR second mortgage options while keeping an eligible existing first mortgage through The Mortgage Calculator.
- [Commercial & Portfolio Cash-Out](https://cashoutrefinance.loans/commercial-portfolio-cash-out/): Compare cash-out options for rental portfolios, small multifamily, mixed-use and eligible commercial properties with The Mortgage Calculator.
- [Reverse Mortgage Equity Options](https://cashoutrefinance.loans/reverse-mortgage-equity/): Explore reverse mortgage and HECM equity options through The Mortgage Calculator, including borrower obligations and alternatives to compare.

## Educational guides

- [HELOC vs. Cash-Out Refinance: Which Fits Your Goal?](https://cashoutrefinance.loans/guides/heloc-vs-cash-out-refinance/): Compare a HELOC, fixed second mortgage and cash-out refinance by what happens to your first mortgage, borrowing flexibility, payments and total cost.
- [How an Instant HELOC Works: From Quote to Funding](https://cashoutrefinance.loans/guides/how-instant-heloc-works/): Learn what instant HELOC means, how digital verification works, what can delay funding and how to prepare for a smoother home equity application.
- [Cash-Out Refinance Requirements: What Lenders Review](https://cashoutrefinance.loans/guides/cash-out-refinance-requirements/): Prepare for a cash-out refinance with a practical guide to equity, credit, income, property review, seasoning, documents and program selection.
- [How to Calculate Your Potential Cash Out](https://cashoutrefinance.loans/guides/calculate-cash-out-home-equity/): Estimate home equity, cash-out refinance proceeds and HELOC capacity with clear formulas and a worked example that separates gross capacity from net cash.
- [Investment Property Cash Out: Refinance, DSCR or HELOC?](https://cashoutrefinance.loans/guides/investment-property-cash-out/): Explore cash-out options for rental properties, including DSCR refinances and investment-property second liens, with practical cash-flow and reserve checks.
- [Cash-Out Refinancing When You Are Self-Employed](https://cashoutrefinance.loans/guides/self-employed-cash-out-refinance/): Understand traditional and bank statement cash-out options for self-employed borrowers, how deposits differ from income and what to prepare for review.
- [Cash-Out Refinance Closing Costs: What to Compare](https://cashoutrefinance.loans/guides/cash-out-refinance-closing-costs/): See how lender fees, settlement charges, prepaid items, escrow and credits affect a cash-out refinance, and compare offers using net proceeds and total cost.
- [Using Home Equity for Debt Consolidation: A Practical Checklist](https://cashoutrefinance.loans/guides/cash-out-for-debt-consolidation/): Evaluate a cash-out refinance, HELOC or home equity loan for debt consolidation by comparing payments, fees, payoff timing and the risk of securing debt with your home.

## Tools and company information

- [Equity calculator](https://cashoutrefinance.loans/cash-out-calculator/)
- [Compare structures](https://cashoutrefinance.loans/compare/)
- [Request a quote](https://cashoutrefinance.loans/get-quote/)
- [About the publisher](https://cashoutrefinance.loans/about/)
- [Content policy](https://cashoutrefinance.loans/editorial-policy/)
- [Licensing](https://themortgagecalculator.com/CMS/Get/The-Mortgage-Calculator-Licensing)
- [Privacy policy](https://themortgagecalculator.com/Legal/PrivacyPolicy)
- [XML sitemap](https://cashoutrefinance.loans/sitemap.xml)
- [Expanded content](https://cashoutrefinance.loans/llms-full.txt)