10 Best Cash-Out Refinance & Home Equity Loan Lenders of 2026
Our editors have selected the best cash-out refinance and home equity loan providers. We’ve also looked at other ways to help you tap into your home equity. Use our reviews and comparisons to determine which option is right for you.
Last Updated: October 21, 2026
State: Ohio
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Fast, Fixed Rate HELOC with expert advisors standing by
Pre-qualify in minutes, fast funding
Fixed-rate HELOC custom built for you
No refinance required, borrow up to $300k
Recommended FICO Score of 640+
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Splitero
Access home equity with no monthly payments
Get up to $600k cash from your home
Streamlined funding process
No income required; keep your mortgage
Personalized support you can trust
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Unison
Get up to $500K cash–no loan
No monthly payments & a 30 year term
Keep current equity, share appreciation
If home value drops, Unison shares loss
The industry pioneer since 2006
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Unlock Home Equity With a Reverse Mortgage
Keep your current low-rate first mortgage
A smart option for today’s higher-rate market
Explore reverse mortgage options—no obligation to apply. Get a lump sum of cash to meet your needs
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Magnolia Bank
Only pay interest on what you borrow
Cash-Out Refinance
Ideal for any borrower considering a cash-out refi
More than $1 billion in annual home closings
$100K minimun loan amount, $0 in origination fees
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Rocket Mortgage
Unlock the Value Already in Your Home
Put your home’s equity to work for you
Predictable payments with fixed interest rates
Guidance from experienced home loan experts
Fund renovations, upgrades, or major expenses
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