A cash-out refinance lets you replace your existing mortgage with a larger loan and receive the
difference in cash — giving you access to the equity you’ve built without selling your home.
Cash-out refinancing is well-suited for homeowners who have built substantial equity and have a
specific use in mind — home improvements, debt consolidation, investment in another property,
education costs, or other major financial goals. West Capital Lending helps California homeowners
evaluate whether a cash-out refinance makes sense against alternatives like a HELOC or second
mortgage.
- Sufficient home equity — most programs require a loan-to-value (LTV) ratio of 80% or below after the cash-out amount (some programs allow up to 90% LTV)
- Property must be your primary residence, second home, or investment property (terms and limits vary by type)
- Credit score requirements vary by lender and program
- Debt-to-income ratio reviewed per lender guidelines; non-QM alternatives available
- Funds may be used for any lawful purpose — no restrictions on use in most cases
- Seasoning requirements may apply if you recently purchased the property
Fill out the form below and a West Capital Lending advisor will reach out within one business day to
discuss your options — no commitment required.