ClearPoint Lending | Smart Cash-Out Refinance
ClearPoint
Check My Rate
Rates updated today for 2026

Turn your home equity into tax-free cash.

Pay off high-interest credit cards, fund home renovations, or boost your savings. Access up to $500,000 of your home's value in as little as 10 days.

No hidden lender fees
Minimum 620 FICO required

See How Much Cash You Can Get

Takes 60 seconds. No impact on your credit score.

$
$

By clicking, you authorize ClearPoint Lending to contact you. Your data is secure and encrypted.

Recognized for Excellence

Forbes NerdWallet The Wall Street Journal
BBB
A+ Rating

Why a Cash-Out Refinance?

Home values have skyrocketed. It's time to put your home's equity to work for you. Here is why thousands of Americans are choosing ClearPoint.

Crush High-Interest Debt

Credit card interest rates are averaging over 24%. By consolidating your debt into a mortgage, you can slash your interest rate to single digits and save thousands of dollars a year.

  • One lower monthly payment
  • Improve your credit score

Lightning Fast Funding

Waiting 45 days for a bank to close is a thing of the past. Our streamlined digital underwriting process means you can have cash in your bank account in as little as 10 to 14 days.

  • 100% Online Application
  • Remote E-Closing available

No Out-Of-Pocket Costs

You shouldn't have to pay money to get your money. We offer zero out-of-pocket cost options by rolling standard third-party fees directly into the loan amount.

  • No Application Fees
  • Transparent Rate Locks

The Power of Consolidation

Before: Drowning in Bills

Credit Card Debt ($35,000) $1,100/mo
Personal Loan ($15,000) $450/mo
Old Mortgage ($200,000) $1,200/mo
Total Monthly: $2,750

After: ClearPoint Refinance

Credit Card Debt PAID OFF
Personal Loan PAID OFF
New Mortgage ($250,000) $1,550/mo
Total Monthly: $1,550

You Save: $1,200 / month!

*For illustration purposes only. Actual rates and savings will vary.

★★★★★

Loved by Homeowners

See how we've helped families regain their financial freedom.

"Saved me $900 a month."

"I had racked up $40k in credit card debt during home renovations. The interest was eating me alive. ClearPoint helped me pull cash out of my home to pay it all off. My credit score jumped 60 points in a month."

MK

Michael K.

Columbus, OH

"Fastest closing I've ever experienced."

"I needed cash quickly to buy an investment property. My local bank said 45 days. ClearPoint got me clear-to-close in 12 days. The dashboard made uploading documents a breeze."

SR

Sarah R.

Austin, TX

"Transparent and honest."

"What you see is what you get. The loan estimate they gave me on day one matched my final closing disclosure perfectly. No last-minute junk fees. Highly recommend."

DP

David P.

Orlando, FL

Stop paying 24% interest to credit card companies.

Find out how much cash you can unlock from your home today.

Start My Application

Checking your rate is free and won't hurt your credit.

ClearPoint Lending

ClearPoint Lending is a direct-to-consumer mortgage lender focused on providing fast, transparent, and low-cost financing solutions for modern homeowners.

1-800-123-4567

support@clearpointlending.com


© 2026 ClearPoint Lending, Inc. NMLS ID #777888. All rights reserved.

ClearPoint Lending is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, or age. The information provided by this website is for informational purposes only and does not constitute a commitment to lend. All loans are subject to credit and property approval. Rates, terms, and programs are subject to change without notice. Cash-out refinance transactions may increase your total finance charges over the life of the loan.

Equal Housing
Opportunity