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Won’t affect your credit score

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Your home has value. Now, turn it into cash.

A cash-out refinance lets you turn built-up equity into funds for renovations, debt consolidation, or big life goals - while keeping a single, manageable monthly payment. Better guides you through a fast, transparent process from start to finish.

Our AI-native tech shops dozens of investors to find 
your best rate.

Personalized quote in as little as 3 minutes — no credit impact.

Thousands saved on average through lower rates 
and fewer fees.

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Won’t affect your credit score

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Online Homebuying

$100B+

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400,000+

Customers proudly served

Lock your refinance rate
in

as little as 15 minutes

2025 Best

Online Lender

Cash in as little as


7 days

2026 Best for speedy

approvals and low fees

2025 Best for

Low Rates

How does a cash-out refinance work?
It refinances your current mortgage
Refinancing your current mortgage creates a chance to save money with a lower rate or a new loan term.
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It adds cash back from equity
Adding cash back from equity to the new loan amount could pay for home improvements, debt consolidation, or any other long-term need.
It requires one monthly payment
By combining two loans into one, homeowners keep making one monthly house payment instead of adding a second mortgage.
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Won’t affect your credit score

Why customers love Better Mortgage

Better made it easy

Better made it easy to consolidate some higher interest debt while taking some cash out of my home’s equity for my daughter’s college tuition.


Richard, Better Mortgage Customer

Open and honest

Very communicative team, simplified online system, open and honest discussion about rates. Better Mortgage offered the best rate.


Kwaku, Better Mortgage Customer

Better made it easy

Better made it easy to consolidate some higher interest debt while taking some cash out of my home’s equity for my daughter’s college tuition.


Richard, Better Mortgage Customer

Open and honest

Very communicative team, simplified online system, open and honest discussion about rates. Better Mortgage offered the best rate.


Kwaku, Better Mortgage Customer

We did the math on the next 30 years. It was cheaper to own.

Mateo & Alejandra | Better Mortgage customers

5 min read

Cash-out refinance pros and cons: Make the right decision

4 min read

Cash-out refinances vs. HELOCs: What’s the better option?

6 min read

Cash-out refinance vs. home equity loan: The differences

See your rates for Refinance in minutes

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We did the math on the next 30 years. It was cheaper to own.
Mateo & Alejandra | Better Mortgage customers
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