Skip the HELOC. Unlock Equity with a Cash Out Refi.

A cash-out refinance gives you equity upfront with stable terms and one simple payment.

Rated 4.8 out of 5 on Google

Hundreds of (really) happy refi borrowers

Great experience

Great experience. Will use again.

JonLoudon, TN

2nd refi

This is the 2nd refi I have done with Beeline. My experience with them has been wonderful. Rob Floyd and Jamie Childress were very accessible and knowledgeable. Making closing very fast and easy. I will definitely be using them again and would recommend them to anyone...

ScottAugusta, GA

Really good!

Rob and Andrea did a really good job guiding us through the whole process.

SolomonColumbus, IN

My go to lender!

Working with Beeline was one of the Best experiences we've ever had with a lender for our rental properties. The communication was Stellar. I never had to wait for a response to any of my email inquiries when I had them, which was rare because Chelsea and the whole team kept us in the loop throughout the entire transaction. I highly recommend Bee Line and they will be my go to lender moving forward.

SuzanneCocoa, FL

My go to lender!

SuzanneCocoa, FL

Cash Out Refi vs HELOC

Feature	Cash Out Refi	HELOC
What is it	Replaces your current mortgage with a new, larger loan and gives you the difference in cash	A second loan that works like a revolving line of credit
Loan structure	One mortgage loan	Two loans (your mortgage + HELOC)
Interest Rate	Typically fixed-rate	Usually variable-rate
Monthly Payment	One combined mortgage payment	Separate payment in addition to your mortgage
Rate Stability	Locked rate for the life of the loan	Rate can rise or fall with the market
Payment Predictability	Consistent payment schedule	Payments may increase if rates rise
Draw Period	Not applicable	Typically 5–10 year draw period
Best For	Large expenses, debt consolidation, major renovations	Ongoing or flexible borrowing needs
Long-Term Simplicity	Consolidates into one loan	Requires managing two separate balances

What is it

Cash Out Refi

Replaces your current mortgage with a new, larger loan and gives you the difference in cash

HELOC

A second loan that works like a revolving line of credit

Loan structure

Cash Out Refi

One mortgage loan

HELOC

Two loans (your mortgage + HELOC)

Interest Rate

Cash Out Refi

Typically fixed-rate

HELOC

Usually variable-rate

Monthly Payment

Cash Out Refi

One combined mortgage payment

HELOC

Separate payment in addition to your mortgage

Rate Stability

Cash Out Refi

Locked rate for the life of the loan

HELOC

Rate can rise or fall with the market

Payment Predictability

Cash Out Refi

Consistent payment schedule

HELOC

Payments may increase if rates rise

Draw Period

Cash Out Refi

Not applicable

HELOC

Typically 5–10 year draw period

Best For

Cash Out Refi

Large expenses, debt consolidation, major renovations

HELOC

Ongoing or flexible borrowing needs

Long-Term Simplicity

Cash Out Refi

Consolidates into one loan

HELOC

Requires managing two separate balances

Apply in minutes. Lock your rate. Close fast. Get the cash you need without the HELOC hassle.

Effortless application

More loan types

Close in as little as 14 days

Close now and your next refi is free.*

Get the best of both worlds. A 10-minute application and speedy closing now — and the peace of mind knowing you’ve got a free refi* when rates drop in future.

*Terms and conditions here

Find your perfect fit

More loan options mean you’re more likely to find one that works for you

Self-employed & gig workers

We have loans that use your bank statements to qualify — so you don’t need tax returns and W2s. It’s great news for the 73 million gig workers in the US with irregular income and tax write offs.

Property investors

A tailored investor application won’t cram you down the normal path. Access the same loans the tycoons use — like DSCR, STR, and multi family (5+ units). Play real life monopoly and watch that rent roll in!