You Built Equity. Now Make It Move.

At HML, we don’t believe in ``locked-up`` value.
Your property has done its job — it’s appreciated, it’s performed. Now it’s your turn.

A cash-out refinance isn't just a loan. It's leverage — to expand, acquire, renovate, or simply breathe.

And unlike banks, we won’t make you beg to access what’s already yours.

Let's Talk?

Cash-Out Refinance Loans Florida

With this program, we help investors looking to buy a property and hold it to cash-out and refinance their investment.

How does it work?

It’s simple. We give you a percentage of the money you’ve paid for your mortgage, which leads to the creation of a new loan with a higher balance.
Low fees and fixed-rate amounts paid in just one transaction are some of the reasons why it’s the most used loan.

As well as the chance it gives investors and lenders to set new terms and conditions.

There are no restrictions

Your money, your decisions.

That’s one of the best benefits you get from a cash-out refinance loan, you can use the money for whatever you want. You can make improvements to your property, pay debts or cover other expenses. In fact, you can even reduce interests depending on how you use the money.

We don’t set any limitations to where you can spend the cash you get.

With a cash-out refinance loan you can have access to:

  • Cash from your equity on the property
  • A new loan
  • Lower interest rates
  • Longer-term payments
using-our-hard-money-loan-calculator-1-scaled

What’s home equity?

It’s important to have a clear understanding of what home equity is since it’s the foundation of a cash-out refinance loan. Home equity is the difference between the amount you owe to the lender and the current value of your property. 

There are two ways you can make equity go up:

  1. By paying your loan

If you have an amortized like the ones we provide, your equity will increase as you make the agreed payments.

  1. By increasing the property’s value

The easiest way you can increase the worth of your property is by making some renovations to it.

Responsibility is crucial

As with every transaction responsibility from both parties is necessary. In this case, as the borrower of a cash-out refinance loan you’re free to use the money we provide you however you want. Yet, you have to be aware that if you don’t pay, your property will be used as collateral.

And of course, if you have any doubts you can come to us and we’ll be more than happy to give you the best recommendations.

One size fits all? Not for us

We try our best to make the process unique and adapted to our customers’ needs. Unlike banks that can’t provide the financial help you need if you don’t meet their strict criteria.

Overview of our Cash Out Refinance Florida loan program

Experience Level Any
Credit Score 600
Interest Rate 9% – 12%*
Points 0% – 2%
Eligible For a 0-Point Option? Yes
Advance Rate on Rehab or New Construction 10%
Advance Rate on Current Value 10%
Loan % to After Rehab Value 75%
Property Types Single Family, Multi-Family, Mixed-Use
Prepayment Penalty No
Extension Available Yes
Cross Collateral/ Blanket Loans Yes
Loan Size $100k-$5M
Loan Terms 6 Months – 3 Years

Equity Isn’t Wealth — Until You Use It.

“The most valuable asset you own isn’t your property — it’s your ability to move on it.”

Let’s Make It Happen.

Let's Talk?