How much cash can I pull on a VA Cash-Out Refinance?

Up to 100% of the property's appraised value. This makes it one of the only mortgage programs in the US that allows cash-out at 100% LTV. Standard conventional cash-out caps at 80%; FHA at 80%.

Can I use VA Cash-Out to convert a non-VA loan to VA?

Yes — and this is one of the best use cases. A veteran with a conventional loan who has VA entitlement restored can refinance into a VA loan, eliminate PMI, and pull cash out, all in one transaction.

Conventional & Government

Government — VA Refi

VA Cash-Out Refinance

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Refinance any mortgage into a VA loan up to 100% of property value, with cash-out.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

620

Min FICO

100%

Max LTV

full doc

Docs

Ideal borrower

Veterans with equity who want to consolidate debt or access cash.

Program highlights

Up to 100% LTV cash-out
Converts non-VA loans to VA
No monthly MI

Typical uses

Debt consolidation
Home improvement financing

Frequently asked questions

How much cash can I pull on a VA Cash-Out Refinance?: Up to 100% of the property's appraised value. This makes it one of the only mortgage programs in the US that allows cash-out at 100% LTV. Standard conventional cash-out caps at 80%; FHA at 80%.
Can I use VA Cash-Out to convert a non-VA loan to VA?: Yes — and this is one of the best use cases. A veteran with a conventional loan who has VA entitlement restored can refinance into a VA loan, eliminate PMI, and pull cash out, all in one transaction.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.