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Get cash 6x faster

with Figure vs. a Traditional Refi

Figure lets you tap your home equity, consolidate debts, and refinance your existing mortgage from home with one easy online-only application!

  1. 1

    Complete our 100% online
    application

    No in-person appraisal needed and prequalification won’t affect your credit score.3navigates to numbered disclaimer You’ll immediately see your options.

  2. 2

    Get approved in 5 minutes,
    funding in as few as 5 days2navigates to numbered disclaimer

    Borrow from $15,000 to $400,0005navigates to numbered disclaimer with one-time origination fee.6navigates to numbered disclaimer Easy online notary services in most locations with expert support.

  3. 3

    Option to redraw up to 100%

    Take advantage of the option to take additional draws as needed.

Figure is the #1 non-bank HELOC lender in the US*

A cash-out refinance from a bank can take weeks to complete and the out-of-pocket costs can be unmanageable. With Figure, you can consolidate your outstanding mortgage balance, plus any other debts you have, into one easy payment.

$14 billion

in equity unlocked with
Figure’s platform

201,000+

households served with
Figure's platform

100%

online application
process

How does Figure compare against other options

Figure Cash-Out Refi9navigates to numbered disclaimerTraditional Bank Cash-Out RefiTraditional Bank HELOC*
Application100% online, see your rate instantlyRequires full mortgage applicationVaries by lender. May require bank visits
Funding speedFunding in as few as 5 days2navigates to numbered disclaimerVaries, often 30–60 days**Could be weeks
FeesNo out of pocket costs8navigates to numbered disclaimerVaries; often includes appraisal fees, underwriting fees, title fees, and more often totalling up to $4,300***Varies; often include appraisal costs, title search, and attorney fees
Automatically consolidate debtsYes, automatically consolidate your mortgage, credit cards, personal loans, and more into one easy monthly paymentNo, can refinance mortgage but must pay off debts manually.No, must pay off debts manually
RedrawsYes, Figure lets you redraw up to 100% during the draw periodNo, would have to restart the entire application processYes, HELOCs allow for redraws for a finite period of time
  • * lendingtree.com/home/home-equity/the-fastest-way-to-tap-your-home-equity/
  • ** bankrate.com/mortgages/cash-out-refinance-pros-cons/#steps
  • *** themortgagereports.com/74024/cost-to-refinance-a-mortgage

Have more questions?

Great service great rates

Looking to consolidate debt or need access to equity in your home, Figure made the process quick and easy and provided rates which beat other lenders. I would recommend Figure to anyone looking to pull equity out of their home.

Written by customerKevin

3073 Excellent Reviews on  trust pilot

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