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refinance mortgage to get cash how long after buying a home can i refinance How does a cash-out refinance work? – Mortgage Loan Rates. – Cash-out refinancing and home equity. To borrow that amount, you would take out a new mortgage for $200,000 ($150,000 already owed plus $50,000) and receive a $50,000 check at closing. This doesn’t take into account your closing costs, which are 3-6 percent of the loan amount and are often rolled into the mortgage.
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