VA cash-out: borrow up to 100% of what your home is worth, and we pay the appraisal.
A VA cash-out refinance can reach more of your equity than an FHA or conventional cash-out allows. Buying instead? 0% down at 620+ credit. Just want a lower payment? The IRRRL streamline.
Check My VA Cash-Out Options
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- $0 appraisal: on an eligible VA cash-out refinance, the appraisal bill is ours.
- Cash out up to 100% of value on your primary home, and use it for anything: debt payoff, renovations, family or investing.
- No monthly mortgage insurance on any VA loan.
- IRRRL streamline: no appraisal, no income documents, no credit-score minimum, and it works on a former home that's now a rental.
- Purchases: 0% down with 620+ credit; below 620, 10% down.
- The VA funding fee can be financed: a purchase loan can be the price plus the fee (3.3% at most), and a cash-out can be 100% of value plus the fee. It's waived if you receive VA disability compensation.
- Every VA refinance, the IRRRL included, waits out VA's seasoning: about 210 days from your current loan's first payment, with 6 payments made. Need cash sooner? A HELOC has no wait.
- Our lenders don't offer VA cash-out refinances in Texas, where state law caps cash-out on a home you live in at 80% of value. IRRRLs are allowed.
- We help you get your Certificate of Eligibility.
Rather just talk? Call or text us at (949) 401-7593
$0
Appraisal on eligible VA cash-out
100%
Max cash-out loan-to-value
$0
Monthly mortgage insurance
0%
Down with 620+ credit
IRRRL
Streamline refinance, no appraisal
Eligibility requires satisfactory service and a Certificate of Eligibility. Purchases and cash-out require owner occupancy, and a VA cash-out allows at most one 30-day late mortgage payment in the last 12 months, with your last 7 payments on time.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Cash-out refinances up to 100% of value on your primary home, with the appraisal paid by us
- Purchases with 0% down at 620+ credit (10% down below 620), with the funding fee financed on top
- IRRRLs with no minimum credit score, including on a former home that's now a rental
- Texas IRRRLs (our lenders don't offer VA cash-out in Texas)
- Veterans receiving VA disability compensation: funding fee waived
We're not the right fit for:
- VA purchases or cash-out on an investment property (see DSCR or Rental)
- VA cash-out in Texas (our lenders don't offer it there)
- Any VA refinance, the IRRRL included, within about 210 days of your current loan's first payment (for cash now, a HELOC can work)
- A VA cash-out with a mortgage late in the last 7 months, or more than one late (or a 60-day late) in the last 12
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Is a VA loan the right fit?
For those who've earned it and want to use every part of the benefit.
What You Need
The essentials.
- Eligible service, active duty or surviving-spouse status
- A Certificate of Eligibility (we help you get it)
- A home you live in (an IRRRL also works on a former home)
- 620+ credit for 0% down (10% down below 620)
What You Skip
What other loans charge you for.
- No monthly mortgage insurance
- No appraisal bill on an eligible cash-out: we pay it
- No appraisal or income documents on an IRRRL
- No funding fee with VA disability compensation
Our thank-you for your service
Your VA cash-out appraisal is on us.
Most refinances make you pay for the appraisal out of pocket, before closing. On an eligible VA cash-out, that bill is ours.
Check my VA cash-out options →Put your equity to work
What veterans use their cash-out for.
Clear high-interest debt
Roll credit cards and personal loans into your mortgage: one payment instead of many.
Improve the home
Kitchens, roofs and accessibility upgrades on the home you live in.
Help the family
Tuition, medical bills or a child's first down payment.
Build wealth
The down payment on a rental, or capital for a small business.
Using home equity to pay off cards or loans turns that debt into debt secured by your home.
Calculator
VA Calculator
Pay off debt with your equity, or price a purchase. No monthly mortgage insurance on any VA loan.
What do you want to do?
Your VA benefit
VA disability compensation?
Debts you'd like gone
Your Equity
$250,000
Cash Available (up to 100% of value)
$250,000
Debts You Could Pay Off
$35,000
Monthly Payments Freed
$950/mo
Cash Left After Payoff
$215,000
✓ Every debt you listed could be paid off.
Before closing costs. VA cash-out is for the home you live in. Our lenders don't offer VA cash-out refinances in Texas, where state law caps cash-out on a home you live in at 80% of value; a VA IRRRL (no cash out) is still available there.
Fills in the quiz at the top of this page. This button sends nothing.
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Investors
Investment (DSCR)
The rent qualifies, not your W-2
See DSCR options → - Cash In Hand
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
See Refinance options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - Bank Deposits
Bank Statement
Your bank deposits qualify you, not your tax returns
See Bank Statement options → - No Income Docs
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
See No-Ratio options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
FAQ
Frequently Asked Questions
Common questions about VA Loan loans.
Get Started Today
Straight answers, fast.
Check your VA options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call
VA-approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. VA eligibility requires satisfactory service and a Certificate of Eligibility. An IRRRL refinances an existing VA loan with no appraisal, no income documents and no minimum credit score, including on a former home that's now a rental; like every VA refinance, it waits out VA's seasoning (38 U.S.C. 3709); a VA purchase or cash-out needs you to live in the home. A VA cash-out refinance allows at most one 30-day late mortgage payment in the last 12 months, and none in the last 7. Our lenders don't offer VA cash-out refinances in Texas, where state law caps cash-out on a home you live in at 80% of value (Tex. Const. art. XVI, §50(a)(6)). Maximum loan-to-value up to 100% depends on your entitlement, credit and the lender. The appraisal credit applies to eligible VA cash-out refinances only. Using home equity to pay off cards or loans turns that debt into debt secured by your home.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.