VA Cash-Out Refinance — Up to 100% LTV | Right Mortgage LLC

★ For Veteran Homeowners

100%Max LTV

$0PMI Required

60 secFree Quote

Turn your home equity into cash

You served. Now your VA benefit can serve you again. Pull cash from your home for any purpose — pay off debt, fund renovations, build a safety cushion. Up to 100% loan-to-value.

Up to 100% LTV — pull more than conventional refis allow
No private mortgage insurance (PMI), ever
Often no out-of-pocket closing costs
VA loan specialists — not call center reps

🏠 Equal Housing Opportunity 🛡️ NMLS #2383880 📞 (248) 605-2241

See your cash-out options

Free quote. No credit pull. 60 seconds.

First name

Last name

Phone

Are you a veteran or active duty?

State

Home value

Estimated remaining mortgage balance

🔒 Your information is never sold to third parties.

Small business · Troy, MI

NMLS #2383880

VA loan specialists

Real LOs · No call centers

Your equity, your cash

How much cash could you pull out?

If you bought your home a few years ago, you’ve likely built more equity than you realize — especially in today’s market.

$50k+

Typical equity for veterans who bought 3–5 years ago

$100k+

Typical equity for veterans who bought 5–10 years ago

$150k+

Typical equity for veterans in high-growth markets

Estimates only. Actual cash-out depends on appraisal, current loan balance, and lender guidelines.

Why Right Mortgage LLC

The right team for the benefit you earned.

Right Mortgage LLC is a small business in Troy, Michigan. We aren’t a 1-800 mortgage mill — we’re a tight team that specializes in VA loans for veterans, active duty, reservists, and surviving spouses across 12 states.

When you call, a real person picks up. When you ask a question about your VA benefit, you get an answer — not a transfer to a different department.

“Tell us your goals. We’ll find you the right mortgage.”

100%

Maximum LTV on VA cash-out refinances

PMI required on VA loans, ever

States licensed across the country

30–45

Days typical close-to-funding timeline

Use the cash for anything

What veterans use VA cash-out for

VA cash-out funds can be used for any purpose. Here’s where most veterans put theirs to work.

Pay off high-interest debt

Replace 20%+ credit card APRs and personal loans with one low-rate mortgage payment. Most veterans see hundreds saved monthly.

⌂

Home renovations

Kitchen, roof, addition — fund the projects that increase your home’s value and your family’s quality of life.

★

Emergency cushion

Build a safety net for medical expenses, business opportunities, or peace of mind. Your equity, in your hands, at a fixed low rate.

The process

From quote to cash in your account

Three steps. No surprises. No spam.

Tell us about your home

60-second form. No credit pull. Quick info on your home, mortgage, and VA status — that’s all we need to start.

Get your free rate quote

A licensed VA specialist calls you within minutes (during business hours) with rates and an estimate of your cash-out amount.

Close in 30–45 days

Like the numbers? We handle the rest. Most VA cash-outs close in 30–45 days, with cash funded shortly after.

Common questions

VA cash-out, plainly explained

How much cash can I pull out with a VA cash-out refinance?

Up to 100% of your home’s appraised value (most lenders cap at 90%, but full 100% is allowed by the VA). Example: if your home is worth $400,000 and you owe $250,000, you could potentially pull up to $150,000 in cash, minus closing costs and any VA funding fee.

Do I need to use a VA loan currently to qualify?

No. You can refinance a conventional, FHA, or USDA loan into a VA cash-out as long as you’re an eligible veteran, active duty, reservist, or surviving spouse with a Certificate of Eligibility (COE). We can help you obtain your COE if you don’t have one.

VA cash-out vs HELOC — which is better?

A VA cash-out replaces your existing mortgage with a new, larger one and gives you the difference in cash. A HELOC is a separate line of credit on top of your existing mortgage. VA cash-outs typically have lower fixed rates and longer payoff terms; HELOCs offer flexibility but variable rates that can rise. We’ll run both side-by-side for your situation.

Are there fees?

VA loans have a one-time funding fee (typically 2.15%–3.3% of the loan amount, waived for veterans with service-connected disabilities). Beyond that, normal closing costs apply (appraisal, title, recording fees) — but these can often be rolled into the loan, so you have no out-of-pocket cost at closing.

How fast can I get my cash?

Most VA cash-outs close in 30–45 days from application to funding. After closing, federal law requires a 3-business-day right of rescission before funds are disbursed.

Are you really a small business?

Yes. Right Mortgage LLC is headquartered at 1985 W Big Beaver Rd in Troy, Michigan. You can meet our team on our website. When you call (248) 605-2241, you’ll reach a real person — not a 1-800 phone tree.

Find out what your VA benefit is worth

Free quote. No credit pull. No obligation. Takes 60 seconds.

Get my cash-out quote → Or call us directly: (248) 605-2241