Equity Cash-Out Refinance
Equity on Demand
In need of a little financial leverage? N-Line™ converts your home’s equity into cash you can use to invest in more properties, grow your business, consolidate debt, or upgrade your home.
Receive these benefits:
- Close as fast as 1 day
- Borrow up to 80% CLTV (Combined Loan-to-Value)
- Flexible loan amounts: $25,000 – $400,000
- Option to pay off debt to qualify
- 5-year interest-only draw period
- 25-year amortization
Why Choose
N-Line™?
Unlike traditional cash-out refinances, you don’t have to reset your first mortgage or wait weeks for approval. N-Line™ is a smarter way to get cash without the delays, hassles, or heavy resets of a full refinance.
Who Should Apply?
N-Line™ is available for:
Real estate investors tapping equity to fund new deals
Homeowners consolidating debt or financing big-ticket renovations
Entrepreneurs leveraging equity for business growth
Second-home or investment property owners looking for liquidity
Eligibility
- Minimum FICO score: 620
- Maximum DTI (Debt-to-Income): 50%
- Property types allowed: Single-Family Residences (SFR), 2–4 unit properties, Condominiums, and PUDs (Planned Unit Developments)
Frequently Asked Questions
1. How is N-Line™ different from just refinancing my mortgage?
With N-Line™, you don’t have to restart your entire mortgage. You’re simply pulling cash out of your equity without resetting your existing home loan.
2. Can I really close in just one day?
Yes. As long as your paperwork and eligibility are in order, funding can happen as quickly as one business day.
3. How much can I actually borrow?
You can borrow between $25,000 and $400,000, depending on your equity, credit, and income.
4. What if I already have a lot of debt?
You may still qualify. N-Line™ even allows you to pay off existing debt as part of the loan, which can help bring down your debt-to-income ratio.
5. What happens after the 5-year interest-only period?
After five years, you’ll start paying both principal and interest over a 25-year schedule.
