Cash-Out Refinance in Wisconsin (2025 Guide) – Turn Equity Into Opportunity
Cash-Out Refinance Wisconsin 2025 could be your opportunity to unlock equity and put your home's value to work. A cash-out refinance lets you tap into your home's equity - whether you're consolidating high-interest debt, funding a renovation, or investing in something big.
Let's break down how a cash-out refinance works, who qualifies, and what you can do with the funds.
👉 Learn how a cash-out refinance works (Bankrate)
👉 Current refinance rates and options (NerdWallet)
How Does a Cash-Out Refinance Work?
A cash-out refinance replaces your current mortgage with a new one for more than you owe. You pocket the difference as cash and can use it however you'd like.
For example:
- Home Value: $350,000
- Current Mortgage Balance: $240,000
- New Loan Amount: $280,000
- Cash in Hand: $40,000
What Can You Use the Cash For?
- Debt Consolidation: Pay off credit cards or personal loans with lower rates.
- Home Improvements: Renovate kitchens, baths, or add space.
- College Tuition: Use equity to fund education instead of high-interest loans.
- Investment Opportunities: Buy an investment property or start a business.
Who Qualifies for a Cash-Out Refinance in Wisconsin?
To qualify in 2025, most lenders look for:
- Credit Score: 620+ (680+ gets better pricing)
- Equity: You'll need at least 20% equity in your home.
- DTI: Debt-to-income ratio below 45-50%.
- Stable Income: We underwrite income upfront so you know exactly where you stand.
If you're not sure how much equity you have, I can run the numbers for you - no pressure, no hard credit pull.
Why Work with Me?
At Union Home Mortgage, my team and I:
- Underwrite your income upfront
- Only collect the minimum documentation required
- Offer fast turn times and competitive rates
✅ Most of my clients can start the process in 15 minutes or less.
📅 Schedule a Call
📝 Start Your Loan Application
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Contact Adam Zeman - Your Wisconsin Refinance Pro
Adam Zeman, NMLS #870441
📍 Union Home Mortgage
📞 Call/Text: 414-976-2654
📧 Email: azeman@uhm.com
🌐 www.mkemortgage.com
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