A VA cash-out refinance pays off your current loan and can give you the difference as cash. You can also use it to refinance a non-VA loan into a VA loan.
Eligible borrowers can often finance up to the full value of the home. That is a VA guideline, not a promise. The lender still approves credit, income, and the property.
This is different from an IRRRL. If you only want a lower rate and no cash, start with the streamline.
The VA confirms eligibility. A lender still has to approve the loan. This page is information, not a commitment to lend.
How it goes
01
Value, balance, and cash
Rough numbers are enough for a first look.
02
We map the payment
You see an estimated payment and an estimated LTV before you apply.
03
You see the numbers
We price the cash-out and explain the fees in normal words.
04
Close and receive funds
Cash is sent after closing, not before. Timing depends on the lender.
Estimate a cash-out payment
Enter your numbers to see an estimate.
Questions we hear
How much cash can I take?
It depends on the home's value, your current balance, and what the lender will allow. We estimate it with you. We do not guess a max from a web form.
Can I cash out if my current loan is not VA?
Often, yes, if you are eligible for a VA loan. That is one reason people use VA cash-out. We still have to match you to a lender.
Does this remove mortgage insurance?
A VA loan does not have monthly mortgage insurance. If you are leaving an FHA or conventional loan that has it, that can be part of the comparison.
How fast is the cash?
After the loan closes and funds. We will give you a timeline for your file once a lender is chosen. We will not promise a date up front.
Is there a funding fee?
A VA funding fee may apply unless you are exempt, for example some veterans with a disability compensation rating. We will check that with you.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Sunview Lending is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. This is not a commitment to lend.
Reviewed by Roland Suncire, Founder and President, NMLS 1196184. Last updated October 2026. Reviews