A cash-out refinance is one way to tap into the equity you’ve built up in your home. Money reviews the best cash-out lenders of 2026.

Accessing the equity in your home can help you move forward on your financial goals, whether you’re planning major renovations, consolidating high-interest debt, or building long-term stability.

Here are the average annual percentage rates (APR) on 30- and 15-year fixed mortgage refinances and 5/1 ARM refinances: Today’s Mortgage Refinance Rates The average APR for a 30-year fixed refinance ...