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VA Cash-Out Refinance

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VA Cash-Out Refinance in California

Use Your Home Equity to Eliminate Debt, Fund Life Goals, or Reinvest — Backed by the CEO


If you’re a qualified veteran, active-duty service member, or eligible surviving spouse, the VA Cash-Out Refinance lets you unlock your home’s equity — even if your current mortgage isn’t a VA loan.

At California Mortgage Direct, we go beyond forms and call centers. You’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network, who personally structures every VA cash-out refinance to maximize savings and results.


✅ What Is a VA Cash-Out Refinance?

The VA Cash-Out Refinance allows eligible VA borrowers to refinance their current mortgage into a new VA loan and take out cash from their equity — all in one transaction.

Unlike the VA IRRRL, this option does require income verification and a home appraisal, but it also offers significantly more flexibility and access to cash.


💥 Top Uses for a VA Cash-Out Refi

  • 💳 Pay off high-interest credit card debt
  • 🛠 Fund home improvements or remodels
  • 🎓 Pay for college or tuition
  • 🚗 Buy a car, invest, or fund large purchases
  • 🔄 Refinance out of a conventional or FHA loan into a VA loan

You do not need to currently have a VA loan to qualify for a VA cash-out refinance.


📊 Key Benefits of the VA Cash-Out Loan

  • ✅ Borrow up to 90–100% of your home’s appraised value (in many cases)
  • ✅ Eliminate PMI from an FHA or conventional loan
  • ✅ Enjoy lower rates than most conventional cash-out options
  • ✅ No prepayment penalties
  • ✅ Roll closing costs into the new loan
  • ✅ Tax-free access to your equity
  • ✅ Flexible loan terms available

🧾 Who’s Eligible for a VA Cash-Out Refinance?

To qualify, you must:

  • Be an eligible veteran, active-duty military member, or surviving spouse
  • Provide a Certificate of Eligibility (COE)
  • Meet basic credit, income, and appraisal requirements
  • Refinance a VA or non-VA loan on a primary residence

Need help determining your eligibility? Joseph can review your COE and run numbers on your equity — with zero pressure.


🧑‍✈️ Why Work with California Mortgage Direct?

FeatureWhat You Get
🧑‍✈️ CEO-led strategy & supportJoseph S. Restivo, CEO, personally structures your refinance
🧠 25+ years of mortgage expertiseVA cash-out refis done right the first time
📍 Licensed in all 58 California countiesLocal knowledge, statewide coverage
Fast closings & direct communicationNo sales team runaround — just expert guidance
💬 Clarity, not confusionJoseph walks you through all numbers and options himself

💬 What Our Clients Are Saying

“I used a VA cash-out refi to pay off $78K in credit card debt and renovate my kitchen. Joseph made it effortless. I actually spoke with the CEO — and he delivered.”
Carlos D., US Army Ret., Los Angeles, CA

“I had no idea I could use a VA loan even though I had a conventional mortgage. Joseph saved me over $1,200 a month and got me cash back to invest.”
Monica S., Navy Veteran, Sacramento


🔒 Take Control of Your Finances

Whether you’re trying to save money, get out of debt, or reinvest in your home, the VA Cash-Out Refinance can put your equity to work — with expert guidance from the top.

Start My VA Cash-Out Refi
Schedule a Call with Joseph