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Should I do a cash-out refinance?
A cash-out refinance lets you borrow against your equity. It can be worth it for home improvements or paying off high-interest debt, but it resets your loan and increases what you owe, so run the numbers carefully.
Find your refinance break-even point and total savings over your loan.
Use the Refinance Break-Even Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the Refinance Break-Even Calculator guide.