Refinancing or Cashing Out

A simple, step-by-step path with verified experts. Booking is free, 24/7.

Your 5 steps

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1. Check Goals & Options — Loan Officer

Lower payment? Shorter term? Cash out? Compare Refi vs HELOC and see savings/costs.

2. Appraisal & Rate Lock — Loan Officer

Order appraisal (or waiver), choose your term, lock your rate, upload docs.

3. Update Insurance — Insurance Agent

Update policy limits, add the new lender (mortgagee), and send the binder to your lender.

4. Close & New Payment — Loan Officer

Review your Closing Disclosure (3 days), e-sign, old loan gets paid off, confirm new escrow/payment date.

5. Taxes — Tax Expert or CPA

Interest is deductible only if cash is used to buy, build, or improve the home. Save Form 1098 + Closing Disclosure and track renovation costs.

This profile is part of the FinXConnect™ pre-launch experience. Final features, layouts, and functionality may change upon full platform launch.
The current version is for early access and onboarding purposes only.

Quick tips

• Ask about no-cost refi vs points and your break-even.• Cash-out: lower max LTV than rate-and-term; consider a HELOC for smaller needs.• No new credit or big buys until you close.• Keep your insurance binder current so funding isn’t delayed.