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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Cash Out Refinance
Refinance to Unlock Cash from Your Home
Get cash to cover your goals when you refinance your mortgage. Our cash-out refinance allows you to borrow more than your current mortgage and receive the difference as cash — all with a competitive rate as low as 5.990% (6.164% APR)¹ on a 30-year fixed mortgage.
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How it Works
Refresh Your Rate, Then Renovate
Lower your interest rate and get cash with a new cash-out refinance loan. We offer rates as low as 5.99% (6.164% APR)¹ with 70% loan to value (LTV). Start your application now.
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Share a Few Details
Begin by submitting a few details about yourself and your current mortgage to see how much cash you could access.
Get Your Offer
Get your personalized interest rate, loan amount, and terms for a cash-out refinance loan.
Receive Funds
Once approved, you'll receive your funds. Use as needed and begin paying your new monthly mortgage payments.
1. Payment example: A 30-year fixed rate loan for $300,000 at 5.990% and an Annual Percentage Rate (APR) of 6.164% has a monthly payment of $1,796.72 which includes principal and interest.
Features
Get the Cash You Need with a Cash-Out Refinance
Our cash-out refinance mortgage is designed to help you refinance your current mortgage and access cash for your financial needs.
Why REfinance
Access Your Home Equity
If you're wondering how to get equity out of your home, a cash-out refinance may be the answer. This type of loan allows you to refinance your mortgage, potentially lower your rate, and access cash for major expenses like home renovations, debt consolidation or funding investments. Our team is ready to help you explore how this cash-out refinance mortgage can benefit you.
Flexible terms for affordable monthly payments
Single payment for mortgage and cash borrowed
Get a personalized rate quote today!
Mortgage Specialist
Prefer a personal touch?
Our dedicated mortgage specialists are available at 855-560-5626 to guide you through the process, answer your questions, and help you get started right away.
Calculator
Estimate Your Refinance Payment
Use our cash-out refinance calculator below to calculate what your new monthly payment could be.
How to Apply
Ready to See if You Qualify?
Don't miss out on rates as low as 5.99% (6.16% APR)¹ on a cash-out refinance mortgage - start your journey towards greater financial freedom now!
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1. MIDFLORIDA Credit Union Membership, eligibility, and credit approval required. Available for Cash out refinances of primary residences excluding mobile homes and condominiums. A minimum credit score of 700 is required with a maximum loan to value of 70% and loan amount of $2,000,000. Cash out is defined as amount requested above existing first lien. If home is currently free and clear, cash out will equal loan amount. Payment example: A 30-year fixed rate loan for $300,000 at 5.990% and an Annual Percentage Rate (APR) of 6.164% has a monthly payment of $1,796.72 which includes principal and interest. Payment example does not include amounts for taxes, insurance premiums, or private mortgage insurance premiums; the actual payment will be greater. Advertised terms are valid as of February 1, 2025, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.
