Cash-Out Refinance
Calculate estimated proceeds, appraisal-based LTV and elapsed ownership and lien seasoning.
Agency guidanceSee verification scopeView guideline history
- Source publication
- Dec 10, 2025
- Last verified
- Nov 9, 2026
- Effective date
- Not yet verified
Verified standard six-month title and twelve-month first-lien clocks. The section date does not establish when those clocks last materially changed.
- Source publication
- Feb 4, 2026
- Last verified
- Nov 9, 2026
- Effective date
- Not yet verified
Verified standard six-month title and twelve-month first-lien clocks from the February 2026 Guide section.
- Material guidance update
- Feb 4, 2026
- Last verified
- Nov 9, 2026
- Effective date
- Feb 4, 2026
Certain inherited-land and legal-award construction cases require separate review. The ordinary seasoning screen is suppressed when the user selects an exception.
- Source publication
- Not yet verified
- Last verified
- Nov 9, 2026
- Effective date
- Not yet verified
Refinance chapter reviewed. FHA cash-out exceptions and the governing rule dates remain outside the automated screen.
- Source publication
- Not yet verified
- Last verified
- Nov 9, 2026
- Effective date
- Not yet verified
Statutory and regulatory sources reviewed for context; VA cash-out eligibility is not automated.
Inputs
Start with the example or enter your own figures. You can type dollar amounts above the slider ranges.
Results
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MortgageRisk is independent of the agencies cited. Results are for professional review and do not constitute an underwriting decision or loan approval.