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A cash-out refinance allows a homeowner to tap into their home equity by borrowing more than what they owe and is a common choice. Of the 483,000 refinances in the fourth quarter of 2018, some 82.

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A cash-out refinance is a mortgage refinancing option in which the new mortgage is for a larger amount than the existing loan in order to convert home equity into cash. The most basic option in.

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Texas Cash Out Refi  · Hi Douglas: I’m not a licensed mortgage banker, so I can’t speak to whether the above is true for Texas. It’s true that there are special provisions for any cash-out transaction in the state.