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Unlock The Value In Your Home

Put your home equity to work with a cash-out refinance. Replace your current mortgage with a new one—and receive the difference in cash*. Whether you're planning a renovation, consolidating debt, or covering big expenses, our experienced Mortgage Advisors at ACM will guide you through every step with clarity and confidence.

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Advantages of a Cash-Out Refinance

Get Cash Back

Access funds at closing with a cash-out refinance—use the available equity for your financial goals.

Put Your Cash-Out Funds to Work for You

Funds from a cash-out refinance can typically be used for a variety of needs, such as debt consolidation, education costs, or home improvements.

Cash-Out Funds Are Typically Not Taxed

Cash from a refinance is not typically taxed as income. You can take cash out of your home without being taxed as income.
(Consult a tax advisor for your specific situation.)

Potential Lower Rate

Some homeowners may qualify for a lower interest rate when refinancing, depending on credit and market conditions.

More About The Cash-Out Refinance Program

A cash-out refinance lets you replace your existing mortgage with a new one—while accessing a portion of your home’s equity in cash. Equity is the difference between what your home is worth and what you still owe.

Homeowners may use a cash-out refinance to adjust loan terms, access funds for major expenses, or potentially lower monthly payments.

At ACM, we’ll help you explore your options—whether you’re looking to switch to a fixed rate, remove mortgage insurance, or align your loan with your financial goals.

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Why Choose ACM

  • More Than a Lender—A Trusted Partner

    At ACM, we go beyond basic rate quotes. We're here to understand your goals, guide your home finance journey in the right direction, and provide support at every step.

  • Experienced, Client-Focused Guidance

    Our knowledgeable mortgage advisors are committed to helping you make confident, informed decisions. We’re here to simplify the process, offer clarity, and help you unlock the full potential of your home’s equity.

  • Tailored Solutions That Fit You

    Your financial goals are unique—and your home finance strategy should be too. We take the time to learn what matters most to you, then provide clear, customized options that align with your needs.

  • Built on Trust, Backed by Results

    With over 20K 5-star client reviews, we’ve helped thousands of homeowners navigate their home finance journey with clarity and confidence. At ACM, we’re committed to building long-term relationships—not just closing loans. You can count on us for honest answers, responsive communication, and an experience rooted in trust.

Refinancing an existing mortgage may increase your total finance charges over the life of the loan. Your actual rate, payment, and costs will vary based on factors such as your credit profile, loan amount, loan-to-value ratio, debt-to-income ratio, and property type. Loan approval is subject to underwriter review, and all applicants may not qualify. A cash-out refinance replaces your current mortgage with a new, larger loan, allowing you to access the difference as cash. The interest rate on your new loan may be higher or lower than your existing rate, potentially affecting your monthly payment and overall loan costs. While using home equity to consolidate debt may reduce your monthly payments, it could extend the repayment period or increase the total interest paid over time.

Atlantic Coast Mortgage, LLC (“ACM”) does not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.

Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. Contact a loan officer today to explore your financing options. This is an advertisement and is not a commitment to lend. | Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal

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