What affects my cash-out rate?

Your credit, how much equity you keep, loan size, and the market.

Should I do a cash-out refinance or a HELOC?

If your first-mortgage rate is low, a HELOC may be better. See HELOC vs Cash-Out Refi.

How much can I cash out?

Often up to about 80% of your home's value, minus what you owe.

What's the difference between rate and APR?

The rate sets your payment; the APR adds fees. See Rate vs APR.

Is a cash-out refinance worth it?

It depends on your rate, costs, and goal. See Refinance Check-Up (Is it worth it).

Why do rates change daily?

They follow the bond market and economy. See What Moves Rates.

How do I get my real rate?

Get a personalized quote. See See Personalized Rates (Refi).

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Home›Rates›Cash-Out Refinance Rates

Rates · Today's Rates

Today's cash-out refinance rates in California.

Want to tap your equity? Cash-out refinance rates change daily and are usually a bit higher than rate-and-term rates. This page explains why, and how to get a number that's actually yours.

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A model house on stacks of cash, representing cash-out refinance rates

Today’s sample rates

Live Rates · California

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Monthly payment examples below are for a loan amount of $275,000 ($1,100,000 on Jumbo). Taxes and insurance are not included within the estimate; actual payment amount will be greater.

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Rates change daily and vary by your profile. A personalized quote is the most accurate.

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Quick answer

Cash-out refinance rates in California are typically slightly higher than standard refinance rates, because borrowing against more of your equity carries more risk for lenders. Your rate depends on your credit, how much equity you keep, and loan size. If you have a low first-mortgage rate, compare a cash-out refinance with a HELOC. See HELOC vs Cash-Out Refi.

What affects your cash-out rate

FactorHow it affects your rate

Loan-to-valuePulling more equity can raise the rate

Credit scoreHigher score, usually lower rate

Loan sizeLarger or jumbo loans price differently

PointsCan lower your rate. See Rate vs APR

The marketMoves rates daily. See What Moves Rates

Cash-out vs other options

If your current first-mortgage rate is low, a cash-out refinance would replace it — possibly raising the rate on your whole balance. A HELOC or home equity loan keeps your first mortgage. Compare before deciding. See HELOC vs Cash-Out Refi and Cash-Out Refinance.

How to compare

Use the APR. See Rate vs APR.

Compare against keeping your first mortgage plus a HELOC.

Run the break-even. See Refinance Check-Up (Is it worth it).

Good questions

Frequently asked questions

Usually slightly higher than rate-and-term rates, due to the added risk of pulling equity.

Next steps

Compare before you tap your equity

Compare a cash-out refinance against keeping your low first-mortgage rate, then get a personalized quote. EZ Online Mortgage can show your personalized cash-out rate and compare it with other ways to access equity.

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Keep learning

Cash-Out Refinance HELOC vs Cash-Out Refi See Personalized Rates (Refi) Refinance Check-Up (Is it worth it)

This page is for education only. It is not a loan offer or a rate quote. Rates change daily and depend on your individual circumstances. Equal Housing Opportunity · NMLS #362311 · CA DRE #01871814.

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