Borrow smarter with Figure

With rates on the rise, cash-out refinancing has lost its luster. Figure could save you thousands in interest and fees. How much can you save?

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Bloomberg Radio888-819-6388Not for use by New York borrowers

Loan comparison calculator

Tell us about your existing mortgage and how much money you're looking to cash out to see your potential savings.

Cash-out Refinances


Cash-out refi: the hidden costs

Cash-out refis were a good option when mortgage rates were falling. That’s no longer the case. Nobody wants to give up their low-rate 30-year mortgage in exchange for a little extra cash. Let’s dive into the numbers to find you a better solution.

Cash-out Refinances

Same cash, better experience

Keep your low rate

Keep your low rate

Don't give up the low mortgage rate you spent time and money to secure.

Get funds faster

Get funds faster

Apply in minutes, fund in 5 days2 vs. the typical 45-day wait for a mortgage.

Enjoy the digital experience

Enjoy the digital experience

Our entire process is online-so apply when and where it's convenient for you.

Forget about the fine print

Forget about the fine print

No application, appraisal, title or pre-payment fees-just one low origination fee.

Fastest HELOC on the planet

  • Borrow up to $150,000
  • Fixed-rate APRs starting at 4.99%1
  • Tax deductible5
  • Approval in 5 minutes, funding in 5 days2

Frequently asked questions

What can I do with a home equity line of credit?

Home equity line of credit can be used for purposes such as debt consolidation, home improvement or major purchases.

What loan amounts does Figure offer?

Figure offers loans from $15,000 up to $150,000. Minimum credit score is 600, and the maximum Combined Loan-to-Value ratio is 95%.

What documents do I need to apply?

You’ll need a current US Driver’s Licenses, State ID or Passport. You will also need your bank info for Figure to disburse your funds.