Cash-Out Mortgage Refinance

Take advantage of low rates and get the cash you need all at once

Rates are at historic lows and there’s never been a better time to tap your equity for cash. The application is fast, easy, and 100% online, with no time-consuming trips to the bank and custom monthly payment options to help you save.

Pre-qualification does not affect your credit score.2  navigates to the related disclosure

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Refinance with the option to cash-out

Simple, all-in-one option

Replace your existing mortgage with a new one for an amount that’s greater than what you owe and access the difference in cash. If you choose to pay off your loan early, there is no prepayment penalty.

Apply in 10 minutes

Our no-hassle application process is fast, easy, and 100% digital. For your convenience, our online process is entirely automated and allows you to choose the offer that best fits your financial needs.

Borrow up to $500,000 in cash

For primary residences, Figure offers the fastest way to turn your home equity into cash for what matters now.

Fast access to member support

Call us at 888-697-1506 Monday through Saturday, 6am – 6pm PT. Our average response time is less than 45 seconds.

How it works

How it works

Tell Us About Yourself

Apply quickly and easily with our 100% online application. Just provide some information, and we’ll automatically gather the rest using our secure and automated process.

Read what our members have been saying about their experiences

Don’t just take our word for it, see what other members had to say! For homeowners, Figure is the better option.

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©2021 Figure Technologies, Inc

650 California Street, Suite 2700 San Francisco, CA 94108

Figure Lending LLC dba Figure 15720 Brixham Hill Ave, Suite 300 Charlotte, NC 28277

General Customer Support:

888-819-6388

Mortgage Refinance Support:

888-697-1506

Figure Lending LLC dba Figure | NMLS #1717824 - NMLSCONSUMERACCESS.ORG  Opens a new window.

Figure Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, VA, VT, WA, WI, WY with more states to come.

Figure Mortgage Refinance is available in AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, SD, TN, WA, WI, WV with more states to come.

Figure Personal Loan is available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY with more states to come.

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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1

Refinancing at a longer repayment term may lower your monthly loan payments, but may also increase the total interest paid over the life of the loan. Depending on your cash-out amount, your monthly payments may increase, even with a lower APR.

2

To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.