Home Equity and Refinance Options

Tap into your home’s equity with a cash-out refinance or a flexible HELOC—whichever fits your goals best.

Refinance or Unlock Your Equity—On Your Terms

Choose flexible access with a HELOC, predictable payments with a HELoan, a lump-sum Cash-Out Refi, or a payment-smart Rate & Term Refi.

Apply for a HELOC Apply to Refinance

Compare Your Options

Three clear paths, depending on how and when you want to access funds.

HELOC / HELoan

Home Equity

Tap equity without replacing your first mortgage. Pick flexible draws (HELOC) or a fixed lump sum (HELoan).

Funds: HELOC = draw as needed; HELoan = one lump sum
Interest: HELOC typically variable; HELoan typically fixed
Keeps 1st Mortgage: Yes
Best For: Flexibility (HELOC) or predictable payment (HELoan)

Apply HELOC

Cash-Out Refinance

Refinance

Replace your current mortgage and take cash from your equity in one lump sum.

Funds: One-time lump sum at closing
Interest: Fixed or adjustable on the full amount
Replaces 1st Mortgage: Yes
Best For: Debt payoff, large projects, single monthly payment

Apply Cash-Out

Rate & Term Refinance

Refinance

Refinance without taking cash out. Lower your rate, shorten your term, or target a more affordable payment.

Funds: No cash out; restructure your loan terms
Interest: Often fixed; aim to reduce rate and/or term
Replaces 1st Mortgage: Yes
Best For: Lower payment, faster payoff, long-term savings

Apply Rate/Term

Get Your Home Equity & Refinance Guide

Not sure which path fits best?

I’ll run your numbers side-by-side and recommend the most cost-effective route for your goals.

Book a Free Consultation

Dive Deeper

Explore the best way to use your equity. Compare quick-access lines, one-time lump sums, or full refinances to optimize your rate, term, and cash needs.

Second-lien options

HELOC & Home Equity Loan

Keep your current first-mortgage rate; add flexible funds on top
HELOC draws as needed; HELoan = fixed lump sum & payment
Fast access — a HELOC can fund in as little as 5 days (program-dependent)

Apply for HELOC Free Consultation

Replace your first mortgage

Cash-Out Refinance

One new loan & payment; receive cash at closing
Consider if you want a fixed rate on the entire balance
We’ll model LTV limits, payment impact, and break-even

Apply for Refi Free Consultation

Change your mortgage terms

Rate-&-Term Refinance

Lower your rate, shorten/extend your term — or both
Great for payment clarity and long-term interest savings
Side-by-side scenarios to choose the right payoff pace

Apply for Refi Free Consultation

Get the Full Guide

Your step-by-step resource covering HELOCs, Home Equity Loans, Cash-Out, and Rate-&-Term Refinances — all in one place so you can compare options with confidence.

Download My Guide

Essentials

A quick look at Eligibility, What You’ll Need, and How It Works for each option. Switch tabs to change products.

Eligibility & What Lenders Look For

Equity & CLTV within program limits
Credit score & payment history
DTI and stable income
Occupancy & property type

What You’ll Need

Recent pay stubs and W-2/1099 (or business returns)
Mortgage statement & homeowners insurance
ID and recent bank statements
May need appraisal/valuation (varies)

How It Works

Pre-qual + value check
Submit docs & approval
Close & access funds (HELOC can fund in as little as 5 days)

Keep your first-mortgage rate; add a second-lien line or loan.

Eligibility & What Lenders Look For

Equity/LTV within cash-out caps
Credit score & reserves, if applicable
DTI and income stability
Seasoning & occupancy guidelines

What You’ll Need

Income/asset documentation
Title, payoff info, and insurance
Appraisal (most files)
Government ID

How It Works

Pre-qual & cash-out estimate
Appraisal, underwriting, clear conditions
Close & receive funds with the new first mortgage

One new payment; we’ll price vs. HELOC/HELoan for clarity.

Eligibility & What Lenders Look For

Benefit to borrower (rate/term change)
Credit profile & payment history
DTI, income, and LTV
Seasoning/MI removal rules (if applicable)

What You’ll Need

Income/asset docs (waivers possible)
Mortgage statement & insurance
Appraisal or PIW (if applicable)
Photo ID

How It Works

Pre-qual & scenario modeling
Submit file; appraisal/waiver; underwriting
Close new first mortgage (typically 3–6 weeks)

Focus on payment clarity, term control, and total interest.

Ready to Take the Next Step?

Apply online or book a 15-minute call — we’ll confirm your options and timelines.

Apply for HELOC Apply for Refinance Free Consultation

What are the benefits of using B-Webster Loans for your Home Equity or Refinance needs?

Choosing B-Webster Loans gives you the advantage of personalized guidance, competitive rates, and access to a wide network of lenders. Whether you’re exploring a HELOC, a Home Equity Loan, or a full Refinance, we tailor solutions to your financial goals—providing clarity on terms, flexible options, and a streamlined application process. Our team ensures you understand your borrowing power and helps you select the right strategy to leverage your home’s equity with confidence and ease.

Let's Chat About It

Schedule a Consultation with Brigett

Frequently Asked Questions

Pick a category below to see answers tailored to HELOCs & Home Equity Loans, Rate-and-Term Refinances, or Cash-Out Refinances. If you don’t see your question, I’m happy to help one-on-one.

Select a tab to view FAQs for that option