All guides

• What Affects Cash-Out Refinance PricingWhy cash-out refinances are often priced differently than rate-and-term refinances, and the factors you can influence.
• Second-Lien Alternatives: HELOCs and Home Equity LoansHow second mortgages work, how they are priced, and when they may be a better fit than a cash-out refinance.
• Cash-Out Refinance, Home Equity Loan or HELOC?How the three main ways to borrow against a home differ in structure, cost and risk.
• Cash-Out Closing Costs and the Right to CancelWhat closing costs look like on a cash-out refinance, how they reduce your proceeds, and how the three-day right of rescission works.
• A Cash-Out Budget Worksheet: Planning How You Use the ProceedsA practical worksheet for deciding how much equity to take, what to use it for and how to keep the new loan affordable.
• Questions to ask: checklistPrintable questions for lenders.
• GlossaryKey terms explained.
• Common questionsAnswers to common questions.
• Official resourcesGovernment and regulator links.

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