Unlock Your Home's Equity with an FHA Cash-Out Refinance

Access up to 80% of your home's value — even with less-than-perfect credit. FHA-backed. Flexible. Fast.

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Minor Credit Issues? No Problem!
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What is It

Cazle's CASH-OUT program lets you tap into your built-up equity easily, affordably, and without resetting your mortgage terms.

Tap into up to 80% of your home's value with our aggressive FHA Cash-Out Refinance program. Whether you're aiming to consolidate high-interest debts, fund home improvements, or cover major expenses, our streamlined process ensures you get the cash you need—quickly and efficiently.

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Get Your Home's Equity In Cash

Who Is FHA Cash-Out For?

Ideal for homeowners who:

  • Seek to consolidate debts, undertake home renovations, or cover significant expenses.
  • Prefer a refinancing option with flexible credit requirements—FHA loans are accessible even with credit scores as low as 580.
  • Homeowners with at least 12 months of ownership
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Get Your Home's Equity In Cash

What Makes FHA Cash-Out Different?

  • Insured by the Federal Housing Administration (FHA): Added lender security means more flexible borrower guidelines.
  • Benefit from competitive interest rates and flexible credit criteria.
  • Higher Loan-to-Value (LTV): Borrow up to 80% of your home's value.
  • Government-Backed: FHA programs are built to support real people — not just perfect applicants.
  • Option to roll closing costs into the loan, minimizing out-of-pocket expenses.
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Benefits

A Tale Of 2 Homeowners…

Who Would You Rather Be? Would you rather do nothing and continue drowning in debt, or work with us to consolidate and slash your monthly payments?

Homeowner A Mortgage

  • 30 year fixed rate, $300,000, 5% Interest. Principal & Interest Payment = $1610
  • Other Loans: Personal loans, credit cards, student loans, and other debt obligations totalling $50,000 at 20% interest. Most credit card companies require 1% minimum balance + interest.
    $50,000 x 20% = $10,000 Annual Interest / 12 months = $833/monthly interest. 1% of minimum balance = $50,000 x 1% = $500. $500 + $833 = $1,333 / month in other debt obligations.
Total monthly payment = $2943

Homeowner B Mortgage

  • 30 year fixed rate, $350,000, 5% Interest.
  • No separate payment for other loans. All loans consolidate under one payment.
Principal & Interest Payment = $1878
This scenario is a fictional illustration created to demonstrate potential savings through debt consolidation. The calculations are based on a set of assumptions* and should not be considered as reflective of real-life circumstances or financial advice. Actual outcomes may vary.

There's A Dark Storm On The Horizon!

Don't Wait Until It's Too Late To Take Control Of Your Finances

Unlock Your Cash Today

Check your FHA Cash-Out options—fast, easy, and no obligation.

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Compare - FHA Cash-Out vs Options

Not sure if an FHA Cash-Out is right for you?

Use the table below to see how it compares to conventional refinance and HELOC options — so you can choose the smartest way to access your home's equity.

FHA Cash-Out Conventional Cash-Out HELOC
Credit Score Requirement 580+ 680+ 680+
Max Loan-To-Value 80% ~75–80% 85–90%
Fixed Interest Option
Government Backed
Cash Access Upfront
How Does It Works

The Process is Simple

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Why Choose Cazle's FHA Cash-Out Program?

We've Helped 15,112+ Homeowners Improve Their Financial Picture.

  • 1

    Friendly Guidance

    FHA loans can be complex — we simplify the process.

  • 2

    Quick Turnaround

    Close and fund in as little as 2-3 weeks.

  • 3

    Transparent Process

    No hidden fees, with clear communication at every step.

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Reviews

Customers Love Cazle

Read What They Have To Say About Working With Us

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I have worked with the folks at Cazle Mortgage quite a few times now, and in my mind, there are no other options. Juan and Barry are nothing but class. I had the pleasure of working directly with Juan Escobedo on my most recent refinance and purchase of some investment properties and he helped to make the process completely seamless..

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Sean Donovan

Cazle Mortgage Valued Customer

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I had a fantastic experience with Cazle Mortgage! Their knowledgeable team provided exceptional service, guiding me through the process with ease. Their dedication, transparency, and commitment to finding the best terms made them my go-to choice for mortgages. Robin Peters was an amazing loan officer, I highly recommend her!

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Natalia Jacobo

Cazle Mortgage Valued Customer

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Me and My Wife had the pleasure of working with Robin Peters from Cazle Mortgage. She helped us get a Home Equity Loan and it was so easy working with her. She provided an estimate within $10 of what the actual payment would be when we talked. She was always honest and upfront about what to expect during the process..

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Erik Lieb

Cazle Mortgage Valued Customer

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Frequently Asked Questions

An FHA Cash-Out Refinance allows you to replace your current mortgage with a larger FHA-insured loan and receive the difference in cash, using your home's equity.
You can access up to 80% of your home's appraised value, minus what you still owe on your mortgage.
The funds can be used for anything—home renovations, debt consolidation, education, medical bills, or any other expense.
FHA loans typically require a minimum credit score of 580, making them accessible to many homeowners.
Most FHA cash-out refinances can be completed in 30 days, depending on documentation and appraisal timelines.
About

Trust Cazle Mortgage

At Cazle Mortgage, we've helped thousands of homeowners access equity through FHA-backed refinance solutions. Our licensed loan specialists guide you every step of the way — from application to closing — with clear communication and personalized options that work for your credit and financial goals..

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