What Is A Cash Out Refinance?

Denied a Refinance? Here’s a Smarter Option Built Around You

If you’ve been denied a refinance even though you have equity in your home, you’re not alone. It can feel confusing, disheartening, and unfair. But often, the problem isn’t you. It’s the process.

At First National Bank of America, we recognize that not everyone fits into traditional mortgage guidelines. That’s why we offer Non-Qualified Mortgage (Non-QM) refinance options designed for real life. Whether you're self-employed, paid irregularly, or simply don’t meet conventional lender expectations, a Non-QM refinance might be exactly what you need.

What We Cover in This Video:

• Why homeowners with equity are sometimes denied by traditional lenders
• What makes a Non-QM cash-out refinance different—and why it works
• How you can qualify using bank statements, 1099s, or a profit and loss statement
• The flexibility you get compared to hard money loans

Non-QM cash out refinancing is about meeting people where they are. If your income doesn’t follow a perfect pattern or your property doesn’t check every traditional box, you shouldn’t be left out of opportunities.

Get the process started: www.fnba.com/refinance

00:00 – Denied a Refinance Even With Home Equity?
00:09 – What to Do If You’re Denied a Refinance Despite Having Equity
00:16 – Why Traditional Lenders Deny Refinance Applications
00:33 – What Do Traditional Lenders Look For When Refinancing?
00:54 – Non-QM Loan Benefits for Self-Employed Homeowners
01:18 – What Is a Non-QM Cash-Out Refinance?
01:28 – When Should You Consider a Cash-Out Refinance?
01:36 – How to Refinance With Bank Statements, 1099s, or P&L
02:06 – Next Steps to Refinance With First National Bank of America
Connect with First National Bank of America

Official Website: https://www.fnba.com/
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First National Bank of America | Equal Housing Lender | NMLS# 413209
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Видео What Is A Cash Out Refinance? канала First National Bank of America