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FHA CASH-OUT
This option is ideal for homeowners with lower credit looking to tap cash from their home equity for debt consolidation, home improvements, or major financial goals.
Key Features
500+ Credit Score | Up to 80% Cash‑Out | Flexible Debt-to-Income (DTI) Ratio
Why EHGM's FHA Loans Are Different
Our FHA cash‑out approvals are structured upfront to avoid surprises later. We review equity, credit, and income early in the process, helping streamline underwriting and create a faster, more predictable path to closing.
Lower Fees, More Cash in Your Pocket
As a mortgage brokerage, we shop multiple FHA‑approved lenders to find the best combination of rates, pricing, and reduced‑cost options for cash‑out refinances. That means you keep more of your tapped equity — instead of losing thousands to unnecessary bank‑level overlays and markups.
More Loan Options, One Application
Banks only offer their version of FHA cash‑out guidelines. We compare several lenders’ requirements, pricing, and flexibility so you get more ways to qualify, more competitive cash‑out structures, and loan terms designed around your goals — all from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for efficient FHA cash‑out underwriting, quick appraisals, and responsive conditions. This allows us to move quickly, adapt when something changes, and keep your refinance on track with fewer delays and less red tape.
100% of clients work directly with a licensed advisor — never a call center.
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FHA Cash-Out Criteria
What you can expect
Max Loan Amount
$541,287 or $1,249,125 in high cost areas.
Cash-Out
Borrow up to 80% of your home’s value (appraisal required).
Credit
500+ FICO with compensating factors.
Employment
2-year work history.
Income
No income limits. DTI ratios can exceed 50%.
Assets
Must be sourced & seasoned for 60 days.
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