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CONVENTIONAL
CASH-OUT
Ideal for homeowners with strong credit and solid equity who want to tap cash from their home for debt consolidation, home improvements, or major financial goals.
Key Features
620+ Credit Score | Access Up to 80% LTV | Lower Rates VS. Other Alternatives
Why EHGM’s Conventional Cash‑Out Loans Are Different
Our refinance approvals are fully structured upfront. We evaluate credit, income, pricing adjustments, and equity early in the process to eliminate surprises, streamline underwriting, and help you lock in savings with confidence.
Lower Fees, More Cash in Your Pocket
As a mortgage broker, we compare several lenders’ conventional cash‑out pricing to find lower rates and reduced‑cost options. With fewer overlays and no heavy bank markups, you keep more of your home equity — instead of losing thousands in unnecessary fees.
More Loan Options, One Application
Banks offer a single version of conventional cash‑out guidelines. We compare multiple lenders’ rules, pricing adjustments, and flexibility to help you qualify for the most competitive structure — whether you’re consolidating debt, improving your home, or accessing cash for a major purchase — all from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for efficient cash‑out underwriting, responsive appraisal management, and fast conditions review. This helps us close quicker, adapt when something changes, and minimize delays throughout the refinance process.
100% of clients work directly with a licensed advisor — never a call center.
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Conventional
Cash-Out Criteria
What you can expect
Max Loan-to-Value
Borrow up to 80% of your home's value.
Appraisal
May be waived with a property inspection waiver (PIW).
Employment
2-year work history. Exceptions allowed.
Income
No income limits. DTI ratios up to 50%.
Assets
0-6 months reserves may be required.
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