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Homeowners Are Unlocking Equity Right Now

Stop Overpaying
on Your Mortgage.

Rates have changed. Your equity has grown. Refinancing today could lower your payment — or put tens of thousands in your pocket.

$247/mo
Avg. Monthly Savings
50+
Lenders Compared
60s
To See Your Rates
No SSN Required
Free Rate Check
No Obligation

See Your Refinance Options

Takes 60 seconds • No credit pull • 100% free

1
Refi Goal
2
Home Value
3
Loan Balance
4
Credit Score
5
Contact

What's your refinance goal?

What's your estimated home value?

What's your remaining loan balance?

What's your credit score range?

Almost done! Where should we send your rates?

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Compare 50+ Lenders
Avg. Savings of $247/mo
Secure & Private
Results in 60 Seconds
No SSN Required
Modern home interior
Cash-Out Refinance

Stop Leaving Your
Equity on the Table

Every month you don't refinance, that money sits locked in your walls earning nothing. A cash-out refinance lets you access up to 80% of your home's value — often at a rate far lower than personal loans or credit cards.

  • Access $20k–$200k+ depending on your equity position
  • Rates typically 2–4% lower than credit cards or personal loans
  • Interest may be tax-deductible when used for home improvements
  • Single monthly payment — simplify your finances
  • No restrictions on how you use the cash
Calculate My Cash-Out Amount
Rate Comparison

See What Refinancing Could Save You

Based on a $300,000 loan balance — the numbers speak for themselves.

Monthly Payment Comparison

EXAMPLE SCENARIO
Your Current Rate
7.5%
30-Year Fixed
Monthly Payment:
$2,098/mo
Over 30 years: $755,280 total paid
→
You Save $312 every month
Today's Rate
6.25%
30-Year Fixed
Monthly Payment:
$1,786/mo
Saving over 30 years: $642,960 total paid
Loan: $300,000 Term: 30-year fixed LTV: 80% Rate: illustrative only
Total lifetime savings: $112,320 — that's money that stays in your pocket. Actual rates vary based on credit score, LTV, and market conditions.
Get My Actual Rate — It's Free
Cash out refinance
Simple Process

Get Your Best Refi Rate
in 3 Easy Steps

No paperwork. No credit pull. No obligation. Just your best rates — instantly compared.

  • Answer 5 quick questions in under 60 seconds
  • Our network of 50+ vetted lenders competes for your business
  • Compare real offers side-by-side with full APR transparency
  • No pressure — pick the rate that works best for you
  • Close in as little as 21 days with most lenders
Start My Rate Check
Real Results

Homeowners Who Took Action

These families stopped paying more than they had to. Now it's your turn.

★★★★★
Saving $312/month

"I kept putting it off — thought refinancing would be a nightmare of paperwork. FiscalGenie matched me with a lender in 10 minutes and I closed in 3 weeks. My payment went from $2,098 to $1,786. That's almost $4,000 back in my pocket every year."

MR
Marcus R.
Atlanta, GA • Refinanced 6 mos ago
★★★★★
$47,000 cash out

"We needed to renovate our kitchen and didn't want to touch our savings. Went cash-out refi and pulled $47k from our equity at 6.4% — way better than the home equity loan the bank offered. Kitchen is done and our payment only went up $140/mo."

SL
Sandra & Leo K.
Phoenix, AZ • Closed 4 mos ago
★★★★★
7 years off loan term

"We switched from a 30-year to a 20-year and our payment only went up $88/month. But we'll own the house FREE AND CLEAR 7 years earlier and save over $93,000 in interest. FiscalGenie showed me options I never knew existed."

DT
Denise T.
Nashville, TN • Closed 2 mos ago
FAQ

Refinance Questions Answered

Everything you need to know before you start.

The classic rule of thumb is to refinance if you can lower your rate by at least 0.75% — but the real answer depends on your situation. If your current rate is above 7%, you've built significant equity, or you need access to cash, today's market could make refinancing well worth it. The break-even point (how long until savings exceed closing costs) is typically 18–36 months.
Refinance closing costs typically range from 2%–5% of the loan amount, or roughly $6,000–$15,000 on a $300k loan. Many lenders offer "no-closing-cost" options where costs are rolled into a slightly higher rate. When you compare offers through FiscalGenie, each lender shows you the full cost breakdown — including APR.
A cash-out refinance replaces your existing mortgage with a larger loan. The difference between your new loan and your current balance is paid to you in cash at closing. Most lenders will let you borrow up to 80% of your home's appraised value. The funds are unrestricted — use them for renovations, debt consolidation, investments, education, or anything else.
Checking your rate through FiscalGenie does not affect your credit score. We use a soft credit inquiry at the matching stage. Only when you formally apply with a specific lender will a hard inquiry occur — and even then, multiple mortgage inquiries within a 45-day window count as just one inquiry under FICO scoring rules.

Every Day You Wait Is Money Left Behind

Rates can move fast. Lock in your savings before they do.

See My Refinance Rates — Free & Instant
No SSN required • No obligation • Results in 60 seconds