Turn your home's equity into cash for what comes next.
Cash-out refinance can help you use built-up equity for major goals while reviewing whether a new mortgage structure still works for your payment, timeline, and long-term plans.
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General information only. Not a commitment to lend. All loans subject to credit, underwriting, and property approval. Rates and terms vary by borrower.
What to expect
A process built to keep the next step clear.
Royal United starts with the purpose behind the cash, then moves through application, appraisal, underwriting, and closing with one advisor guiding the process.
Step 1
Define the strategy
The first stage is understanding how much cash you may need and whether cash-out refinance is the right structure for the outcome you want.
- 1.Review your short- and long-term goals
- 2.Review credit, income, and asset documentation
- 3.Compare custom loan options based on your goals
Step 2
Move through underwriting
Once you choose a direction, Royal United moves the file forward with in-house processing designed to keep timelines tighter and communication clearer.
- 1.Sign the application electronically
- 2.Schedule and complete an appraisal
- 3.Complete underwriting and provide any requested documents
Step 3
Close with clarity
The final stage is about clean communication, final approval, and closing coordination so you know what comes next.
- 1.Receive final approval and confirm the closing date
- 2.Review your final terms and cash-out amount
- 3.Sign final paperwork with a notary at a convenient location
Ready to review your options with a loan expert?
How Royal United works
The same principles carry through every loan conversation.
*20-day average based on closed loans. Actual close times vary by loan type, borrower documentation, and property.
Explore other paths
Compare the other loan options Royal United supports.
Home Equity Loan
A home equity loan can help you fund major goals without replacing your current first mortgage. It is not the best fit for every situation, which makes a side-by-side comparison with a loan advisor especially important.
Home Refinance
Refinancing can help lower a payment, shorten a term, remove mortgage insurance, or access equity depending on the structure that best fits your current goals. Royal United focuses on helping you compare those tradeoffs clearly before you decide.
New Home Purchase
Whether you are buying your first home or making your next move, Royal United helps you understand your options, get pre-approved, and move toward closing with less guesswork.
Ready to review your next step?
Not sure if cash-out refinance or a home equity loan is the better fit?
A Royal United loan advisor can walk through both structures with you — payment, timing, and long-term cost — so you can understand the differences before moving forward.