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https://www.pennymac.com/refinancing-products/cash-out-refinance?source=2782-SR-2782&utm_medium=email&utm_source=servicin...
Submission: On November 01 via api from US — Scanned from DE
Submission: On November 01 via api from US — Scanned from DE
Form analysis 1 forms found in the DOM
Name: Cash-Out Refinancing Form — POST https://quote.pennymac.com/api/v1/lead
<form id="velocify-form" name="Cash-Out Refinancing Form" action="https://quote.pennymac.com/api/v1/lead" method="POST"> <input id="campaign_id" type="hidden" name="campaign_id" value="10"> <input id="target_url" type="hidden" name="target_url"
value="https://www.pennymac.com/refinancing-products/cash-out-refinance?message=thank-you"> <input id="predictive_callback" type="hidden" name="predictive_callback" value=""> <input id="campaignsourcecode" type="hidden" name="campaignsourcecode"
value="2782-SR-2782"> <input id="campaignname" type="hidden" name="campaignname" value="Website Form Lead"> <input id="salesgroupcode" type="hidden" name="salesgroupcode" value="Purchase"> <input id="lead_program" type="hidden"
name="lead_program" value=""> <input id="marketing_adhoc_fields_1" type="hidden" name="marketing_adhoc_fields_1" value="email:servicing:transactional"> <input id="marketing_adhoc_fields_2" type="hidden" name="marketing_adhoc_fields_2"
value="www.pennymac.com/refinancing-products/cash-out-refinance"> <input id="marketing_adhoc_fields_3" type="hidden" name="marketing_adhoc_fields_3" value=""> <input id="marketing_adhoc_fields_4" type="hidden" name="marketing_adhoc_fields_4"
value=""> <input id="marketing_adhoc_fields_5" type="hidden" name="marketing_adhoc_fields_5" value=""> <input id="marketing_adhoc_fields_6" type="hidden" name="marketing_adhoc_fields_6" value="10017897387744778273732686641915174710"> <input
id="marketing_adhoc_fields_7" type="hidden" name="marketing_adhoc_fields_7" value=""> <input id="statusid" type="hidden" name="statusid" value="42"> <input id="campaignphone" type="hidden" name="campaignphone" value="8889962203"> <input
type="hidden" name="checkbox" id="checkbox" value="true">
<div class="form-group"> <label for="firstname" class="small ml-2 text-uppercase mb-0">First Name:</label> <input class="form-control rounded-ends" type="text" id="firstname" name="firstname" placeholder="First Name" maxlength="125"> </div>
<div class="form-group"> <label for="lastname" class="small ml-2 text-uppercase mb-0">Last Name:</label> <input class="form-control rounded-ends" type="text" id="lastname" name="lastname" placeholder="Last Name" maxlength="125"> </div>
<div class="form-group"> <label for="email" class="small ml-2 text-uppercase mb-0">Email Address:</label> <input class="form-control rounded-ends" type="text" id="email" name="email" placeholder="Email Address" maxlength="125"> </div>
<div class="form-group"> <label for="phone" class="small ml-2 text-uppercase mb-0">Phone Number:</label> <input class="phone-input form-control rounded-ends" type="tel" id="phone" name="phone" placeholder="Phone Number" maxlength="14"> </div>
<div class="form-group"> <label class="small ml-2 text-uppercase mb-0" for="propertystate">Property State:</label> <select class="form-control custom-select" name="propertystate" id="propertystate" title="State">
<option value="">Property State - Select One</option>
<option value="AL">Alabama</option>
<option value="AK">Alaska</option>
<option value="AZ">Arizona</option>
<option value="AR">Arkansas</option>
<option value="CA">California</option>
<option value="CO">Colorado</option>
<option value="CT">Connecticut</option>
<option value="DE">Delaware</option>
<option value="DC">District Of Columbia</option>
<option value="FL">Florida</option>
<option value="GA">Georgia</option>
<option value="HI">Hawaii</option>
<option value="ID">Idaho</option>
<option value="IL">Illinois</option>
<option value="IN">Indiana</option>
<option value="IA">Iowa</option>
<option value="KS">Kansas</option>
<option value="KY">Kentucky</option>
<option value="LA">Louisiana</option>
<option value="ME">Maine</option>
<option value="MD">Maryland</option>
<option value="MA">Massachusetts</option>
<option value="MI">Michigan</option>
<option value="MN">Minnesota</option>
<option value="MS">Mississippi</option>
<option value="MO">Missouri</option>
<option value="MT">Montana</option>
<option value="NE">Nebraska</option>
<option value="NV">Nevada</option>
<option value="NH">New Hampshire</option>
<option value="NJ">New Jersey</option>
<option value="NM">New Mexico</option>
<option value="NY">New York (Unavailable)</option>
<option value="NC">North Carolina</option>
<option value="ND">North Dakota</option>
<option value="OH">Ohio</option>
<option value="OK">Oklahoma</option>
<option value="OR">Oregon</option>
<option value="PA">Pennsylvania</option>
<option value="RI">Rhode Island</option>
<option value="SC">South Carolina</option>
<option value="SD">South Dakota</option>
<option value="TN">Tennessee</option>
<option value="TX">Texas</option>
<option value="UT">Utah</option>
<option value="VT">Vermont</option>
<option value="VA">Virginia</option>
<option value="WA">Washington</option>
<option value="WV">West Virginia</option>
<option value="WI">Wisconsin</option>
<option value="WY">Wyoming</option>
</select> </div>
<div class="form-group"> <label class="small ml-2 text-uppercase mb-0" for="loanpurpose"> What are you interested in? </label>
<div class="ml-2">
<div class="form-check form-check-inline mr-4"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="loanpurpose" id="purchase" value="Purchase"> Purchase </label> </div>
<div class="form-check form-check-inline"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="loanpurpose" id="refinance" value="No Cash-Out Refi"> Refinance </label> </div>
</div>
</div>
<div class="form-group mt--2"> <label class="small ml-2 text-uppercase mb-0" for="currentcustomer"> Are you a Pennymac customer? </label>
<div class="ml-2">
<div class="form-check form-check-inline"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="currentcustomer" id="pnCustomerYes" value="Yes"> Yes </label> </div>
<div class="form-check form-check-inline ml-4"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="currentcustomer" id="pnCustomerNo" value="No"> No </label> </div>
</div>
</div>
<div id="schedule-field-wrapper" class="bg-pennymac-gray-lightest rounded pt-3 px-3 mb-3 d-none">
<link rel="stylesheet" href="/assets/stylesheets/tempusdominus-bootstrap-4.css">
<div class="form-group mt--2"> <label class="small ml-2 text-uppercase mb-0" for="scheduleTime"> Would you like to schedule a time to be contacted by a loan officer? </label>
<div class="ml-2 pb-2">
<div class="form-check form-check-inline"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="scheduleTime" id="scheduleTimeYes" value="Yes"> Yes, let’s do it </label> </div>
<div class="form-check form-check-inline ml-4"> <label class="form-check-label"> <input class="form-check-input" type="radio" name="scheduleTime" id="scheduleTimeNo" value="No" checked=""> No thanks </label> </div>
</div>
</div>
<div class="text-center d-none">
<p><a id="calendar-reveal" data-toggle="collapse" href="#scheduler" role="button" aria-expanded="false" aria-controls="scheduler"> Would you like to schedule a specific date/time for us to call you? </a></p>
</div>
<div class="collapse" id="scheduler"> <input id="callback_submitted_date" type="hidden" name="callback_submitted_date" value="2022-11-01T06:32:49-07:00">
<p class="mt-4 mb-2">You may select any 30-minute window within our regular business hours.</p>
<p class="small d-none">Our call center is open Monday - Friday <span id="weekday-start"></span> to <span id="weekday-end"></span> and Saturday <span id="saturday-start"></span> to <span id="saturday-end"></span> <span id="timezone">GMT</span>.
</p>
<div class="row align-items-center">
<div id="date-wrapper" class="col-md-6">
<div class="form-group">
<div id="calendar">
<div class="bootstrap-datetimepicker-widget usetwentyfour">
<ul class="list-unstyled">
<li class="show">
<div class="datepicker">
<div class="datepicker-days" style="">
<table class="table table-sm">
<thead>
<tr>
<th class="prev disabled" data-action="previous"><span class="fa fa-chevron-left" title="Previous Month"><span class="sr-only">Previous</span></span></th>
<th class="picker-switch" data-action="pickerSwitch" colspan="5" title="Select Month">November 2022</th>
<th class="next disabled" data-action="next"><span class="fa fa-chevron-right" title="Next Month"><span class="sr-only">Next</span></span></th>
</tr>
<tr>
<th class="dow">S</th>
<th class="dow">M</th>
<th class="dow">T</th>
<th class="dow">W</th>
<th class="dow">T</th>
<th class="dow">F</th>
<th class="dow">S</th>
</tr>
</thead>
<tbody>
<tr>
<td data-action="selectDay" data-day="10/30/2022" class="day old disabled weekend">30</td>
<td data-action="selectDay" data-day="10/31/2022" class="day old disabled">31</td>
<td data-action="selectDay" data-day="11/01/2022" class="day today">1</td>
<td data-action="selectDay" data-day="11/02/2022" class="day">2</td>
<td data-action="selectDay" data-day="11/03/2022" class="day">3</td>
<td data-action="selectDay" data-day="11/04/2022" class="day">4</td>
<td data-action="selectDay" data-day="11/05/2022" class="day weekend">5</td>
</tr>
<tr>
<td data-action="selectDay" data-day="11/06/2022" class="day disabled weekend">6</td>
<td data-action="selectDay" data-day="11/07/2022" class="day">7</td>
<td data-action="selectDay" data-day="11/08/2022" class="day">8</td>
<td data-action="selectDay" data-day="11/09/2022" class="day">9</td>
<td data-action="selectDay" data-day="11/10/2022" class="day">10</td>
<td data-action="selectDay" data-day="11/11/2022" class="day">11</td>
<td data-action="selectDay" data-day="11/12/2022" class="day weekend">12</td>
</tr>
<tr>
<td data-action="selectDay" data-day="11/13/2022" class="day disabled weekend">13</td>
<td data-action="selectDay" data-day="11/14/2022" class="day">14</td>
<td data-action="selectDay" data-day="11/15/2022" class="day">15</td>
<td data-action="selectDay" data-day="11/16/2022" class="day">16</td>
<td data-action="selectDay" data-day="11/17/2022" class="day disabled">17</td>
<td data-action="selectDay" data-day="11/18/2022" class="day disabled">18</td>
<td data-action="selectDay" data-day="11/19/2022" class="day disabled weekend">19</td>
</tr>
<tr>
<td data-action="selectDay" data-day="11/20/2022" class="day disabled weekend">20</td>
<td data-action="selectDay" data-day="11/21/2022" class="day disabled">21</td>
<td data-action="selectDay" data-day="11/22/2022" class="day disabled">22</td>
<td data-action="selectDay" data-day="11/23/2022" class="day disabled">23</td>
<td data-action="selectDay" data-day="11/24/2022" class="day disabled">24</td>
<td data-action="selectDay" data-day="11/25/2022" class="day disabled">25</td>
<td data-action="selectDay" data-day="11/26/2022" class="day disabled weekend">26</td>
</tr>
<tr>
<td data-action="selectDay" data-day="11/27/2022" class="day disabled weekend">27</td>
<td data-action="selectDay" data-day="11/28/2022" class="day disabled">28</td>
<td data-action="selectDay" data-day="11/29/2022" class="day disabled">29</td>
<td data-action="selectDay" data-day="11/30/2022" class="day disabled">30</td>
<td data-action="selectDay" data-day="12/01/2022" class="day new disabled">1</td>
<td data-action="selectDay" data-day="12/02/2022" class="day new disabled">2</td>
<td data-action="selectDay" data-day="12/03/2022" class="day new disabled weekend">3</td>
</tr>
<tr>
<td data-action="selectDay" data-day="12/04/2022" class="day new disabled weekend">4</td>
<td data-action="selectDay" data-day="12/05/2022" class="day new disabled">5</td>
<td data-action="selectDay" data-day="12/06/2022" class="day new disabled">6</td>
<td data-action="selectDay" data-day="12/07/2022" class="day new disabled">7</td>
<td data-action="selectDay" data-day="12/08/2022" class="day new disabled">8</td>
<td data-action="selectDay" data-day="12/09/2022" class="day new disabled">9</td>
<td data-action="selectDay" data-day="12/10/2022" class="day new disabled weekend">10</td>
</tr>
</tbody>
</table>
</div>
<div class="datepicker-months" style="display: none;">
<table class="table-condensed">
<thead>
<tr>
<th class="prev disabled" data-action="previous"><span class="fa fa-chevron-left" title="Previous Year"><span class="sr-only">Previous</span></span></th>
<th class="picker-switch" data-action="pickerSwitch" colspan="5" title="Select Year">2022</th>
<th class="next disabled" data-action="next"><span class="fa fa-chevron-right" title="Next Year"><span class="sr-only">Next</span></span></th>
</tr>
</thead>
<tbody>
<tr>
<td colspan="7"><span data-action="selectMonth" class="month disabled">Jan</span><span data-action="selectMonth" class="month disabled">Feb</span><span data-action="selectMonth" class="month disabled">Mar</span><span
data-action="selectMonth" class="month disabled">Apr</span><span data-action="selectMonth" class="month disabled">May</span><span data-action="selectMonth" class="month disabled">Jun</span><span
data-action="selectMonth" class="month disabled">Jul</span><span data-action="selectMonth" class="month disabled">Aug</span><span data-action="selectMonth" class="month disabled">Sep</span><span
data-action="selectMonth" class="month disabled">Oct</span><span data-action="selectMonth" class="month">Nov</span><span data-action="selectMonth" class="month disabled">Dec</span></td>
</tr>
</tbody>
</table>
</div>
<div class="datepicker-years" style="display: none;">
<table class="table-condensed">
<thead>
<tr>
<th class="prev disabled" data-action="previous"><span class="fa fa-chevron-left" title="Previous Decade"><span class="sr-only">Previous</span></span></th>
<th class="picker-switch" data-action="pickerSwitch" colspan="5" title="Select Decade">2020-2029</th>
<th class="next disabled" data-action="next"><span class="fa fa-chevron-right" title="Next Decade"><span class="sr-only">Next</span></span></th>
</tr>
</thead>
<tbody>
<tr>
<td colspan="7"><span data-action="selectYear" class="year old disabled">2019</span><span data-action="selectYear" class="year disabled">2020</span><span data-action="selectYear" class="year disabled">2021</span><span
data-action="selectYear" class="year">2022</span><span data-action="selectYear" class="year disabled">2023</span><span data-action="selectYear" class="year disabled">2024</span><span data-action="selectYear"
class="year disabled">2025</span><span data-action="selectYear" class="year disabled">2026</span><span data-action="selectYear" class="year disabled">2027</span><span data-action="selectYear"
class="year disabled">2028</span><span data-action="selectYear" class="year disabled">2029</span><span data-action="selectYear" class="year old disabled">2030</span></td>
</tr>
</tbody>
</table>
</div>
<div class="datepicker-decades" style="display: none;">
<table class="table-condensed">
<thead>
<tr>
<th class="prev disabled" data-action="previous"><span class="fa fa-chevron-left" title="Previous Century"><span class="sr-only">Previous</span></span></th>
<th class="picker-switch" data-action="pickerSwitch" colspan="5">2000-2090</th>
<th class="next disabled" data-action="next"><span class="fa fa-chevron-right" title="Next Century"><span class="sr-only">Next</span></span></th>
</tr>
</thead>
<tbody>
<tr>
<td colspan="7"><span data-action="selectDecade" class="decade old" data-selection="2006">1990</span><span data-action="selectDecade" class="decade disabled" data-selection="2006">2000</span><span
data-action="selectDecade" class="decade disabled" data-selection="2016">2010</span><span data-action="selectDecade" class="decade active" data-selection="2026">2020</span><span data-action="selectDecade"
class="decade disabled" data-selection="2036">2030</span><span data-action="selectDecade" class="decade disabled" data-selection="2046">2040</span><span data-action="selectDecade" class="decade disabled"
data-selection="2056">2050</span><span data-action="selectDecade" class="decade disabled" data-selection="2066">2060</span><span data-action="selectDecade" class="decade disabled"
data-selection="2076">2070</span><span data-action="selectDecade" class="decade disabled" data-selection="2086">2080</span><span data-action="selectDecade" class="decade disabled"
data-selection="2096">2090</span><span data-action="selectDecade" class="decade old" data-selection="2106">2100</span></td>
</tr>
</tbody>
</table>
</div>
</div>
</li>
<li class="picker-switch accordion-toggle"></li>
</ul>
</div>
</div>
</div>
</div>
<div id="time-dropdown-wrapper" class="col-md-4 offset-md-2 text-left">
<div class="form-group"><select class="form control custom-select" id="time-dropdown" title="Select time" style="width:130px !important;" disabled="">
<option value="">Select Time</option>
<option value="14:00">2:00 PM</option>
<option value="14:30">2:30 PM</option>
<option value="15:00">3:00 PM</option>
<option value="15:30">3:30 PM</option>
<option value="16:00">4:00 PM</option>
<option value="16:30">4:30 PM</option>
<option value="17:00">5:00 PM</option>
<option value="17:30">5:30 PM</option>
<option value="18:00">6:00 PM</option>
<option value="18:30">6:30 PM</option>
<option value="19:00">7:00 PM</option>
<option value="19:30">7:30 PM</option>
<option value="20:00">8:00 PM</option>
<option value="20:30">8:30 PM</option>
<option value="21:00">9:00 PM</option>
<option value="21:30">9:30 PM</option>
<option value="22:00">10:00 PM</option>
<option value="22:30">10:30 PM</option>
<option value="23:00">11:00 PM</option>
<option value="23:30">11:30 PM</option>
<option value="24:00">12:00 PM</option>
<option value="24:30">12:30 PM</option>
</select></div>
</div>
</div>
<div id="confirm" class="mt-4 pb-3"><strong>You have not selected a date or time to be called yet.</strong></div>
</div>
</div>
<div class="form-group">
<div class="g-recaptcha" data-sitekey="6LfqdwoUAAAAAMnYvlL5MkTJ9t3pXniv7KYUiFd7" data-callback="reCaptchaSubmit" data-expired-callback="reCaptchaExpired" data-action="USAVelocifySubmit">
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<div><iframe title="reCAPTCHA"
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</div><textarea id="g-recaptcha-response" name="g-recaptcha-response" class="g-recaptcha-response" aria-hidden="true" aria-label="do not use" aria-readonly="true"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
</div><iframe style="display: none;"></iframe>
</div>
<div id="recaptcha-error" class="d-none small">reCaptcha must be checked</div>
</div>
<div class="form-group text-center"> <button id="submit-button" type="submit" class="btn btn-lg btn-info btn-block rounded-ends">Contact Me</button> </div> <input id="leadid_token" name="tcpatoken" type="hidden"
value="47FB6946-A51E-48AB-04B2-D734FF8BDCEE">
<p class="mt-4 small"><label><input type="hidden" id="leadid_tcpa_disclosure"><span class="font-weight-bold">Communications Consent:</span> By clicking the Contact Me button, I agree that I am providing an electronic signature authorizing PennyMac
Loan Services, LLC and its agents (Pennymac) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have
authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that Pennymac may contact me using an automatic telephone dialing
system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or
approval.</label></p>
</form>Text Content
Skip to main content. Pennymac Pennymac | Correspondent | TPO | PFSI | PMT | Careers Careers | About Us About Us 888.996.2203 Login / Register toggle navigation Login Rates Mortgage Resources Refinancing Buy a Home Account Support Get Instant Quote Toggle Search INTEREST RATES Today’s Rates Get today’s current mortgage interest rates Instant Quote Tell us the type of loan you’re looking for and we’ll quote you a rate and estimate your monthly payments MORTGAGE TOOLS Mortgage Calculators How much will my payments be? LEARNING CENTER interest rates Everything You Need to Know About the VA Funding Fee View Learning Center MORTGAGE RESOURCES First-Time Homebuyer Guide to Mortgages Buying your first home doesn’t have to be hard How Refinancing Works Learning the basics of home refinancing Compare Loan Options Explore our wide range of mortgage options to suit your unique needs MORTGAGE TOOLS Mortgage Calculators Home Value Estimator LEARNING CENTER resources The Pros and Cons of Buying a House View Learning Center REFINANCING A HOME Refinancing Overview Learning the basics of home refinancing Cash-Out Refinancing Get cash for home improvements, or pay off high-interest debt Home Equity Loans A great option for leveraging your home’s equity How Refinancing Works Learn about the process and see if refinancing is right for you MORTGAGE TOOLS Mortgage Calculators Compare Home Loan Options Home Value Estimator View Current Rates LEARNING CENTER refinance Refinancing FHA to Conventional Loan View Learning Center PURCHASING RESOURCES Purchase Loan Overview Learn about our wide range of financing options First-time Homebuyer Buying your first home doesn’t have to be hard Home Connect Connect with a local agent and get cash back after close HOME BUYING TOOLS View Current Rates Home Value Estimator Mortgage Calculators Apply Online LEARNING CENTER buying a home How to Prequalify for a Home Loan View Learning Center ACCOUNT SUPPORT Manage Your Account Get information on the most common account tasks New Customer Info Welcome to PennyMac Loan Services Making Payments Find out the different ways to make payments ACCOUNT SUPPORT Tax & Insurance Info Learn more about property insurance and taxes Mortgage Relief & Disaster Assistance Learn more about mortgage relief programs best suited to your needs Contact Us We’re here for you QUICK LINKS Login/Register Manage my Loan Manage my Application Start new application Apply Online MAIN MENU Rates Mortgage Resources Refinancing Buying a Home Account Support OUR SITES NYSE: PFSI NYSE: PMT TPO / Broker Correspondent RATES Today’s Rates Instant Quote Mortgage Calculators Learning Center MORTGAGE RESOURCES First-Time Homebuyer Guide How Refinancing Works Compare Loan Options Mortgage Calculators Home Value Estimator Learning Center REFINANCING Refinancing Overview Cash-Out Refinancing Home Equity Loans How Refinancing Works Mortgage Calculators Compare Loan Options Home Value Estimator View Current Rates Learning Center BUYING A HOME Purchase Loan Overview First-Time Homebuyer Home Connect View Current Rates Home Value Estimator Mortgage Calculators Apply Online Learning Center ACCOUNT SUPPORT Manage Your Account New Customer Info Making Payments Tax & Insurance Info Mortgage Relief & Disaster Assistance Contact Us 888.996.2203 Get Instant Quote Login/Register Have a Pennymac mortgage already? My Account Ready to apply or complete your application? My Application × Thank you! We’ve received your information. We’ll be following up right away to put together a mortgage quote with you. × Something went wrong. Please try again. × We’re sorry, but our system indicates an issue with the phone number and/or area code we received. You seem to have entered . Please try again with a different number or call us now at (888) 996-2203 to speak with one of our helpful representatives. Pennymac is not currently licensed to offer purchase or refinance loans in the state of New York. If you’d like to learn more about all of your loan options, call us at (888) 996-2203. × Your search results for – Page of Loading... Previous Page of Next CASH-OUT REFINANCING CALCULATE YOUR MONTHLY PAYMENT CALCULATE YOUR MONTHLY PAYMENT Get started:Get started: RefinanceRefinanceNext Buy a HomeBuy a HomeNext MAKE THE MOST OF YOUR HOME EQUITY WITH CASH-OUT REFINANCING * Get cash to make improvements to your home, or pay off high-interest credit card debt * Refinance your conventional, FHA, VA or Jumbo home loan * Low out-of-pocket costs* *Low out-of-pocket cost refinance options are available to qualifying borrowers. Does not apply to taxes, insurance or pre-paid interest. TODAY’S CASH-OUT REFINANCE RATES See at a glance how VA IRRRL rates stack up today. Compare different mortgage loan types and learn more about how VA IRRRL can make your monthly mortgage payments more stable and affordable. Products Rate* APR* Conventional 30 Year Fixed 7.500% 7.665% VA 20 Year Fixed 6.500% 7.383% VA 30 Year Fixed 6.500% 7.172% FHA 30 Year Fixed 7.000% 8.248% Keep in mind, these home loan rates are based on certain assumptions and may differ from your specific financial needs. Apply Now *View Assumptions Discount points apply, view assumptions for details. Rates valid on: Tuesday, Nov. 1, 2022, 6:00am PDT and are subject to change without notice. Products Rate* APR* Keep in mind, these home loan rates are based on certain assumptions and may differ from your specific financial needs. Apply Now *View Assumptions Discount points apply, view assumptions for details. Rates valid on: Wed, Jul 12 2017, 09:49 AM PT and are subject to change without notice. Rates display is temporarily unavailable. For a rate quote, please call a Pennymac Loan Officer at (888) 996-2203. Apply Now Call Us: (888) 996-2203 Request a Call WHAT IS A CASH-OUT REFINANCE? A cash-out refinance replaces an existing mortgage with a new loan with a higher balance, sometimes with more favorable terms than the current loan. The difference between these two loans is distributed to the homeowner as cash. Common uses of a cash-out refinance include paying off credit card debt, financing a business, covering college tuition, managing unexpected expenses, and making improvements to one’s home. A cash-out refinance differs from a traditional mortgage refinancing, which simply replaces your current loan with a new loan that has a new set of terms and, in many cases, a lower interest rate. A cash-out refinance also differs from a home equity line of credit (HELOC), which allows you to borrow cash using the home-equity as collateral. HELOCs function as a second mortgage, with the borrower withdrawing and repaying funds on a more flexible schedule, and the government allowing a tax deduction for interest payments.* Unlike traditional first or second mortgages, a HELOC interest rate is not fixed; the rate varies from month to month with the prime rate. The three most popular cash-out refinance options are: * Conventional Cash-Out – Cash-out refinancing options are available to qualified homeowners with more than 20% equity in their homes. * FHA Cash-Out – This cash-out refinancing option is available to homeowners with more than 20% equity in their homes. * VA Cash-Out – If you are a US veteran or an active servicemember, choosing a VA Cash-Out Refinance often allows you to use even more equity from your loan. RESOURCES & TOOLS GET A CUSTOMIZED RATE QUOTE Tell us the type of loan you’re looking for and we’ll quote you a rate and estimate your monthly payments. When you like what you see, get pre-approved with Pennymac’s pre-approval or apply online using My Home By Pennymac. Learn More REFINANCE LOAN CALCULATORS Use today’s cash-out refinance rates to get a better understanding of the true cost of different mortgage products before chatting with one of our licensed loan officers. Learn More MORTGAGE LEARNING CENTER We’re always adding new articles and resources to our Learning Center to help provide you with unbiased, useful mortgage information on a wide range of topics. Learn More HOME VALUE ESTIMATOR Get a report on the estimated value of your home that provides two estimated market values from leading providers. Learn More REASONS TO TAKE CASH OUT OF YOUR HOME There are a number of common reasons homeowners choose cash-out refinancing over other options. Here are some scenarios in which it may be worth considering a cash-out refinance: * You would like to use your home equity to pay for improvements that will increase the property value of your home * You want to take advantage of the potential tax-deduction benefit associated with the interest paid on a mortgage loan* * You wish to pay off high-interest and/or high-balance credit cards or eliminate other high interest debts to save money * You run into unforeseen expenses, such as emergency medical bills or urgent and costly car repairs * You need extra assistance paying for your child’s college education Even if you find yourself in a situation like the above, you should carefully consider your decision and be sure a cash-out refinance makes sense. *Consult a tax adviser for further information regarding the deductibility of interest and charges. IS CASH-OUT REFINANCING RIGHT FOR ME? Using the equity in your home is a great way to get quick access to cash, but it’s also important to decide whether a cash-out refinance makes sense for you overall. The most important question to ask is, “What are my goals?” If you’re looking to use cash to fund an exotic vacation, cash-out refinancing may not be worth the potential long-term cost. However, if you’re planning to use the money to pay off high-interest debt or renovate your home, the monthly payment savings or home value might make long-term financial sense. Beyond your personal goals, there are other factors you should take into consideration. Here are some additional questions you should ask yourself before applying: * Do I have enough equity in my home? – The maximum loan-to-value (LTV) ratio for a cash-out mortgage varies based on many factors, including; the occupancy status of your property (owner-occupied or rental), your credit status, and the loan product you choose (conventional, FHA or VA). Maximum LTV for Conventional and FHA products range from 70%-80%, whereas the VA cash-out program allows you to increase your LTV up-to a maximum of 90%. This means you will need more equity in your home to make your cash-out refinance worthwhile if you plan to choose a conventional or FHA product. * How will Cash-Out Refinancing affect my monthly payments? – A cash-out refinance increases the total loan amount so your monthly payments will often increase as well. Your mortgage payment may be lowered by extending the term of the cash-out refinance.** Additionally, if you are using the cash to pay-off a high-balance credit card, the monthly payment savings from paying off your credit card may help offset a higher cash-out mortgage payment. Pennymac’s loan officers can discuss the best options for your individual situation. * Will I pay more money over the entire length of the loan? – In most cases you will pay more money over the life of the loan when you reset the term on a cash-out loan. For example, if you’re five years into your current 30 year loan, and take out a cash-out loan with a 30 year term, then you will most likely pay more over the life of the cash-out loan. However, Pennymac provides you the flexibility to set the loan term on a cash-out loan, which can help offset the total amount paid over the life of the cash-out loan. Pennymac’s loan officers can discuss the best options for your individual situation. * Is my FHA loan eligible for cash-out refinancing? – If you have an FHA-insured mortgage you may qualify for an FHA Cash-Out Refinance. However you may be better off refinancing into a conventional loan as it does not require mortgage insurance. * As a US veteran, what are my cash-out options? – Mortgages backed by the Department of Veterans Affairs may be eligible for a cash-out refinance, and they usually come with great rates and the flexibility to borrow up to 90% of the home’s value. Even if your original mortgage is not a VA loan, your veteran, service member, or military family status may make you eligible for VA Cash-Out Refinancing. Even if a VA Cash-Out is not an option for you, you still may be able to qualify for FHA or Conventional cash-out refinancing. Tip: Want to see how cash-out refinancing will change your monthly payments? Enter your info into our Refinancing Calculator to get an instant estimate. **By refinancing your existing loan, your total finance charges may be higher over the life of the loan. REQUIREMENTS FOR CASH-OUT REFINANCING Similar to when you applied for your original mortgage, you will be required to provide all of the necessary documents to prove your borrowing worthiness and you will be responsible for closing costs, though you may have the option to roll some costs into your loan amount. Some of the documentation required may include: * Pay stubs * Tax returns and W-2′s and/or 1099′s * A credit report * Bank statements Reviews on Excellent: 4.5/5 | 81,923 * 5.0 > “This was a very easy process. Thank you for all your help” > Matthew M., October 30, 2022 * 4.91 > “Katherine Baker is what made the whole experience acceptable. She was very > professional and answered my questions as clearly as possible. This was the > first time since my husband's death that I have had the full weight of such > a loan process on only my shoulders. Katherine made this bearable. Thank > you.” > Deborah T., March 1, 2022 * 5.0 > “Katherine was extremely helpful from the initial call until the closing. > Katherine, walked me through the process, provided detailed information, > with accurate cost and assessments. Katherine provided me with answers to > my questions and concerns, and I was able to close this loan such minimal > effort. They even came to my home to close. Great Job Katherine and > PennyMac Team!” > Martin V., February 26, 2022 * 5.0 > “Very professional, yet personable. Callihan made the refinance process > painless. Im very thankful for her assisting me.” > Ranston H., February 1, 2022 * 5.0 > “The closing date was much sooner then I expected, the communication was > great and everything was made so easy.The PennyMac team is awesome and I > would definitely use them again and refer my friends and family to use the > Mac team” > JAMES J., February 1, 2022 * 5.0 > “Calli called periodically with updates. She was pleasant, informative and > very professional with each conversation. Thank you for your service > Calli!” > SIDNEY W., January 10, 2022 * 5.0 > “Our lengthy process was cured with an accurate weekly update provided by > Katherine Baker. Receiving the weekly update placed us at ease taking the > stressor of are we progressing. The Outstanding professionalism I > encountered in each call. Gave us the sound customer service we all Love to > receive. Thanks My M.A.C. Team!” > Edwin O., December 20, 2021 * 5.0 > “Everyone was great very pleasant and very willing to explain everything.” > Shawn M., November 1, 2022 * 5.0 > “Good work great timeing” > ARMANDO F., November 1, 2022 * 5.0 > “From start to finish. Everything went well and smooth. Very professional.” > Henry R., November 1, 2022 * 4.75 > “Very informative and ready to answer questions or provide information. > Pleasant to work with from start to closing” > BARBARA C., October 31, 2022 * 5.0 > “The entire team was amazing start to finish! I am super grateful for the > Penny Mac team and for all the support and reassurance through what could > have been an extremely difficult and stressful process!” > Javier C., October 31, 2022 * 5.0 > “Ms. French provided outstanding support throughout the process. She was > prompt and knowledgeable.” > Simon H., October 31, 2022 * 4.58 > “I was very anxious and realy ddn't know what to expect everyone explaned > everthing but I was still anxnous I had never done this befor but I am > happy about the the was things went thank you” > ARLENE N., October 31, 2022 * 4.75 > “Nothing russ dod” > Steven L., October 31, 2022 * 5.0 > “Barry was very patient and also prompt in contacting me when things > changed. He did his very best to ensure the process went as smoothly as > possible. Thank you Barry superb job !” > Candice G., October 31, 2022 * 5.0 > “Overall great experience” > Brian C., October 31, 2022 * 5.0 > “Thanks liem and Jordan for all your help” > Leidy A., October 31, 2022 * 5.0 > “Jamie was very friendly and knowledgeable. It was a pleasure working with > him.” > Sheryl V., October 31, 2022 * 5.0 > “From the moment I made the first call and spoke with James, until the end > of the process with Shannelle I felt like they both cared about getting me > my loan. They were so informative and friendly. Shannelle was easy to get > in contact with when I returned calls to her and she was so pleasant and > informative.” > Joyce D., October 31, 2022 * 5.0 > “VERY GOOD EXPERIENCE AND WOULD RECOMMEND AND WILL USE THEM AGAIN IF > NEEDED. VERY FAST REPLIES AND TIMELY SERVICE AND GREAT PERSONAL TO WORK > WITH AT EVERY STEP OF THE PROCESS FROM PRE-APPROVAL TO CLOSING.” > Jeremiah C., October 31, 2022 * 5.0 > “We had a great experience with our home loan through PennyMac. Everything > was communicated accurately to us and our loan closed within the expected > time frame.” > Scott P., October 31, 2022 * 5.0 > “Great experience.” > KEITH L., October 31, 2022 * 4.75 > “The Best helping me refinance my house thnk you so much” > Kevin I., October 31, 2022 * 5.0 > “Everyone at Pennymac were pleasant to work with.” > Dennis P., October 31, 2022 * 5.0 > “The experience was great! It didnt take long to close and all who helped > us was excellent and patient with us. Thanks.” > Joseph H., October 31, 2022 * 4.66 > “Thank you.” > Andrea R., October 31, 2022 * 5.0 > “Everyone was very helpful” > Zackary S., October 31, 2022 * 5.0 > “Faiza communicated clearly, was timely in responding to requests & helped > with any issues that I had during the process.” > Cory T., October 31, 2022 * 5.0 > “Excellent experience!” > Damon C., October 31, 2022 * 5.0 > “Great experience.” > PATRICK L., October 31, 2022 * 5.0 > “Great communication, answers every question, reached out and resolved > issues when needed.” > Ian D., October 31, 2022 * 4.25 > “The process was completed in a fairly decent time. There were a few > hiccups along the way. However, those problems were solved promptly. Other > than that, the process ran smoothly enough.” > Jameel A., October 31, 2022 * 4.91 > “5 stars!!!!!!!!” > Rocio T., October 31, 2022 * 4.41 > “The only thing I had to do during the underwriting period was provide > homeowner's insurance.” > Derek M., October 31, 2022 * 5.0 > “My experience with PennyMac was Great! Loan process was smooth and > conducted in a timely manner. Customer service was excellent!” > Camille S., October 31, 2022 * 4.33 > “Everything went very smoothly with no issues at all.” > Lee G., October 31, 2022 * 5.0 > “The entire loan team was great” > Justin F., October 31, 2022 * 5.0 > “Easy refi process since I already had a loan with PennyMac” > Wilma T., October 31, 2022 * 4.66 > “The process went to smooth! Everyone was great” > Juan A., October 31, 2022 * 5.0 > “Very pleasant and timely. Teresa would followup within an appropriate > amount of time. She was very helpful in explaining what was needed to move > my application to closing.” > Shannon H., October 31, 2022 * 4.33 > “Joshua was easy to work with, communicated clearly, and kept everything on > track. We closed as expected with no hiccups.” > Jenna H., October 31, 2022 * 4.75 > “Good experience!” > Frederick D., October 31, 2022 * 4.08 > “4 stars things went pretty well” > Newman C., October 30, 2022 * 5.0 > “everything went smooth and on time” > Michael L., October 30, 2022 * 4.91 > “Darius is on top of everything. The experience with my transactions were > awful by no fault of pennymac but because of my buyer and the seller of the > house we purchased but Darius is consistent” > MATTHEW J., October 30, 2022 * 4.41 > “Service was great reached All my expectations thanks” > Jose O., October 30, 2022 * 4.66 > “All went according to plan.” > CLAUDIA W., October 30, 2022 * 5.0 > “Excellent service by Latrice!” > David E., October 30, 2022 * 4.5 > “Thanks, but please let people know of the 2 forms of ID before you come.” > Ashley A., October 30, 2022 * 4.91 > “Frank was very helpful and prompt at responding.” > Katherine F., October 30, 2022 * 4.91 > “The whole process was quite efficient and the communications was great. > Most of all the experience was not stressful.” > Demus H., October 30, 2022 * 5.0 > “5 star. Destini was great!” > TAMMY J., October 30, 2022 * 5.0 > “Exceptional service! Ammie was knowledgeable, friendly, and kind.” > Nicole P., October 30, 2022 * 4.58 > “Helpful some e-mail was confusing for me. I was sometimes slow to check > e-mail which probably added to my confusion” > Martha K., October 30, 2022 * 5.0 > “Teresa was very professional and always friendly! She made sure we > understood the process and her communication was impeccable!! I feel she > went above and beyond.” > William W., October 30, 2022 * 5.0 > “Great work from my penney mac team. Thank you.” > Cheryl M., October 30, 2022 * 5.0 > “Im already an existing customer of PennyMac, refinancing with them was the > best decision and the experience with the staff and associates was great, > everything clearly explained and on time. Uploading documents to them was > so easy. The whole process was a great experience. I would definitely > recommend PennyMac to everyone.” > Pablo P., October 30, 2022 * 5.0 > “You are so lucky to have Josh as an employee, he did a great job and > assisted me every time I called. However, William "Blake for some reason" > Jameson was a nightmare. He was inaccurate, incorrect, and even his manager > was non responsive. Closing documents took 3 tries, financial information > was wrong right up to closing, and my cash to close was wrong. He's a train > wreck. Josh was the only one to correct all of the errors, and always > called back. Thank you Josh!” > Al H., October 30, 2022 * 5.0 > “This was a very easy process. Thank you for all your help” > Matthew M., October 30, 2022 * 4.91 > “Katherine Baker is what made the whole experience acceptable. She was very > professional and answered my questions as clearly as possible. This was the > first time since my husband's death that I have had the full weight of such > a loan process on only my shoulders. Katherine made this bearable. Thank > you.” > Deborah T., March 1, 2022 * Previous * Next Sorry the service is unavailable currently. Please visit Experience.com website to view Pennymac, LLC. reviews Loading... WHY CHOOSE PENNYMAC AS YOUR CASH-OUT LENDER? Pennymac has earned the trust of more than one million homeowners. As a leading national mortgage lender, we take pride in catering to the unique needs of each and every homebuyer we serve. Whether you’re ready to purchase your first home, or you are looking to refinance, rest assured that our experienced loan officers will be there with you at every step of the mortgage process. Pennymac is dedicated to making homeownership more affordable for everyone by offering a wide range of loan products with competitive cash-out refinance rates and fees. We’re working every day to improve the experience of accessing the equity in your home. Want to learn more about what your home’s equity can do for you with a Pennymac Cash-Out Refinance? Call and speak with a Pennymac loan officer, today! READY TO GET STARTED? Apply Now FREQUENTLY ASKED CASH-OUT REFINANCING QUESTIONS ARE THERE ADDITIONAL COSTS TO PAY AT CLOSING? When you refinance your mortgage, including cash-out refinance, you must pay any associated closing costs—just like when you got the original mortgage. These costs may include escrow fees, an appraisal, and upfront private mortgage insurance fees (UFMIP). Depending on the specifics of your situation, you may have the option to roll your closing costs into your loan amount and not have to pay them at closing. CAN I REALLY USE THE MONEY FOR ANYTHING I CHOOSE? Essentially, yes, you can spend the cash on whatever you choose, though homeowners should be careful and intentional about how they use this much money. It’s important to weigh the total costs of cash-out refinancing. If you’re using the money to fund a short-term goal (such as a new luxury car), you may want to consider other loan options. Put simply, a cash-out refinance shouldn’t enable bad financial habits. WILL I HAVE TO PAY MORTGAGE INSURANCE? It depends. For conventional loans you will not pay private mortgage insurance, but for FHA you will pay an up-front and annual mortgage insurance, and for VA Loans, you will pay a Funding Fee. CAN I TAKE CASH OUT WITH AN FHA STREAMLINE REFINANCE? No, the FHA Streamline program does not allow borrowers to take out cash with a loan. WHAT’S THE DIFFERENCE BETWEEN A CASH-OUT REFINANCE AND A HOME EQUITY LOAN? A home equity line of credit (HELOC), is a credit-line secured by your home whereas a cash-out refinance is an entirely new first mortgage with cash back. Most HELOCs have an adjustable interest rate, whereas the ability to lock in a low fixed rate is an advantage of a cash-out refinance. WHY ARE REFINANCE RATES HIGHER THAN PURCHASE RATES? Cash-out refinance rates are higher than typical purchase rates because there is greater risk involved. By taking cash out of your home, the home loan balance increases while the home’s value does not. This results in a higher loan-to-value ratio and lowers the overall home equity, adding more risk and demanding higher interest rates as a security measure. Educated and calculated risks are a part of home financing, and when done correctly and under the right circumstances, cash-out refinancing benefits can outweigh the ultimate risk. Apply Now Call Us: (888) 996-2203 Request a Call Speak with a Licensed Loan Officer Enter your contact information below and a loan officer will reach out to you to assist you with the loan process and answer any questions. Or call us now at (888) 996-2203 × Loading... First Name: Last Name: Email Address: Phone Number: Property State: Property State - Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York (Unavailable) North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming What are you interested in? Purchase Refinance Are you a Pennymac customer? Yes No Would you like to schedule a time to be contacted by a loan officer? Yes, let’s do it No thanks Would you like to schedule a specific date/time for us to call you? You may select any 30-minute window within our regular business hours. Our call center is open Monday - Friday to and Saturday to GMT. * PreviousNovember 2022NextSMTWTFS303112345678910111213141516171819202122232425262728293012345678910 Previous2022NextJanFebMarAprMayJunJulAugSepOctNovDec Previous2020-2029Next201920202021202220232024202520262027202820292030 Previous2000-2090Next199020002010202020302040205020602070208020902100 * Select Time2:00 PM2:30 PM3:00 PM3:30 PM4:00 PM4:30 PM5:00 PM5:30 PM6:00 PM6:30 PM7:00 PM7:30 PM8:00 PM8:30 PM9:00 PM9:30 PM10:00 PM10:30 PM11:00 PM11:30 PM12:00 PM12:30 PM You have not selected a date or time to be called yet. reCaptcha must be checked Contact Me Communications Consent: By clicking the Contact Me button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services, LLC and its agents (Pennymac) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. 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NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Legal | Privacy Policy | Terms of Use | Fees Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Lender License # 20092600LL. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review Pennymac’s state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. (10-2022) This website may include combined information from PennyMac Financial Services, Inc. (“PFSI”) and PennyMac Mortgage Investment Trust (“PMT”) collectively Pennymac. ×Close ASSUMPTIONS The following assumptions reflect search criteria for Cash-Out Refinance Rates: * Loan purpose: Refinance * Home value: $333,335 * Loan amount: $250,001 * Property state: CA * Property county: Los Angeles * Loan-to-value (LTV): 75% * Home equity: 25% * Cash out: $25,000 * Rate lock period: 30 days The following assumptions reflect the search criteria: Loan purpose: Refinance Property state: CA Property county: Los Angeles * Lien position: First * Prepayment penalty: None * Property type: Single Family Residence * Property use: Owner-occupied * FICO: 660 * Discount Points: 2.00 * Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. * Closing costs paid out of pocket * Tax and insurance escrow account created * Loan Estimate issued within 3 days of application * Not all products and terms are shown * All rates and programs subject to loan underwriting and approval and may be subject to change depending on individual credit profile and other qualifications * Monthly payment does not include amounts for taxes, property insurance and mortgage insurance (where applicable). The actual payment obligation will be greater. * *The annual percentage rate (“APR”) calculations on first-lien mortgage loan products in the tables are based on typical prepaid finance charges-actual charges may vary based on the terms of the loan and geographical area. * For ARMS, the APR, interest rate, and monthly payments may increase after the introductory interest rate period. * For VA Loans, VA funding fee required and will vary. Maximum loan guaranty amount varies per county. Contact the VA for the maximum loan guaranty amount for your county and for more information on the funding fee. * Discount points are charges paid to the lender voluntarily, usually at closing by the borrower or seller, to reduce the interest rate. One point is equal to 1% of the principal amount of the mortgage. Conventional Mortgages: The payment on a $275,001 30-year Fixed-Rate is $1,922.85 for 360 months at 7.5% and 7.665% Annual Percentage Rate (APR). This payment assumes 70% loan-to-value (LTV) and 0.968 points ($2,662) due at closing with a 740 FICO credit score.This also assumes a cash-out amount of $25,000. FHA Mortgages: The payment on a $250,001 30-year Fixed-Rate is $1,692.37 for 360 months at 7.0% and 8.248% Annual Percentage Rate (APR). This payment assumes 75% loan-to-value (LTV) and 1.965 points ($4,998) due at closing with a 660 FICO credit score.This also assumes a cash-out amount of $25,000. Jumbo Mortgages: VA Mortgages: The payment on a $300,001 20-year Fixed-Rate is $2,236.73 for 240 months at 6.5% and 7.383% Annual Percentage Rate (APR). This payment assumes 80% loan-to-value (LTV) and 1.917 points ($5,751) due at closing with a 700 FICO credit score.This also assumes a cash-out amount of $25,000. The payment on a $300,001 30-year Fixed-Rate is $1,896.21 for 360 months at 6.5% and 7.172% Annual Percentage Rate (APR). This payment assumes 80% loan-to-value (LTV) and 1.917 points ($5,751) due at closing with a 700 FICO credit score.This also assumes a cash-out amount of $25,000. Assumptions display is temporarily unavailable. Close