Cashout

WORK WITH US

Cashout

Cash Out Refinance: Unlock the Hidden Value in Your Home

Fresh Home Loan Inc. is your trusted partner in achieving your financial goals through smart mortgage solutions. If you’re looking to tap into your home’s equity, explore the benefits of a Cash Out Refinance, and claim your complimentary copy of The Cash Our Refinance Book look no further!


What is Cash Out Refinance?


Cash Out Refinance is a powerful financial tool that allows homeowners to access the equity they’ve built up in their homes by refinancing their existing mortgage. This means you can receive a lump sum of cash, which can be used for various purposes, including:


  • Home Improvements: Renovate your home to increase its value or enhance your living space.
  • Debt Consolidation: Pay off high-interest debts and streamline your finances.
  • Investment: Invest in opportunities with higher returns or start a new venture.
  • Education: Fund your or your child’s education without taking on high-interest student loans.
  • Emergency Expenses: Cover unexpected medical bills or repairs.

 

Why Choose Fresh Home Loan Inc. for a Cash Out Refinance?


At Fresh Home Loan Inc., we work for you, the client, not the shareholders, or a company with a giant corporate infrastructure, like most loan officers in the world. Therefore, we have more options with less overlays to get in the way of getting you approved.


We understand that every financial decision is significant. Our team of experienced mortgage professionals is here to guide you through the Cash Out Refinance process, ensuring you make informed choices tailored to your unique circumstances.


Our Benefits:

  • Expert Guidance: Our team has in-depth knowledge of the mortgage industry and is committed to helping you achieve your financial goals.
  • Personalized Solutions: We work closely with you to create a customized Cash Out Refinance plan that aligns with your objectives.
  • Competitive Rates: Access to a wide network of lenders ensures you get the most competitive interest rates.
  • Hassle-Free Process: We handle the paperwork and negotiations, making the process as smooth as possible.


Claim Your Complimentary Copy of the Cash Out Refinance Book here: Download Your Free E-Book

 

Feel free to give us a call at 510.282.5456 or schedule an appointment:

Disclaimer: This e-book is for informational purposes only and should not be considered financial advice. Consult with a qualified mortgage professional to discuss your specific situation.



Setup a 15-minute Meeting Start the Application Soft Credit Pull

FRESH HOME LOAN

Helpful Articles

By Garrick Werdmuller September 29, 2025
When rates drop, many homeowners hear about a “no closing cost refinance.” It sounds like free money—but is it really? Let’s break it down. What Is a No Closing Cost Refinance? A no closing cost refinance allows you to refinance your mortgage using lender credits to pay for third-party closing costs. How is this done? Well, in markets where interest rates are heading down, homeowners who may have purchased or refinanced at a higher rate can refinance at a lower rate that has lender credits to cover the closing costs. We are also able to wrap the interest and other fees into the loan, so the borrower pays nothing out of pocket. Instead of paying thousands at closing, those costs are covered in one of two ways (and usually BOTH): Lender Credit – The lender gives you a higher interest rate and uses that extra margin to cover the costs. Rolled Into the Loan – The lender adds the closing costs into your new loan balance. ๐Ÿก Mortgage Rates Are a Menu — Not One Number Most people think there’s just one mortgage rate — but really, rates are shown on a matrix (a pricing sheet lenders use). Each interest rate has a cost or credit attached to it. Higher Rate → Lender Credit (the lender gives you money to offset closing costs — this is how “no closing cost” refinances work). Lower Rate → You Pay Points (you pay extra upfront — called “discount points” — to buy the rate down and get a lower payment). ๐Ÿ’ต Hypothetical Example — $400,000 Loan (Numbers below are for illustration only — not a rate quote or loan offer) Rate Option Upfront Cost / Credit What It Means 5.50% $0 (Par Pricing) The “standard” rate — no extra cost or lender credit. 5.75% 1% lender credit (≈$4,000 back). You get about $4,000 to help with closing costs, but pay a bit more each month. 5.25%. 1% cost (≈$4,000) You pay about $4,000 at closing to “buy down” and lower your monthly payment. ๐Ÿ’ก Monthly Payment Impact (Approx.) 5.75% → about $133 more per month vs 5.25% 5.25% → about $133 less per month vs 5.75% ๐Ÿงฎ How People Use This Short-term or planning to refinance again → Pick the 5.75% “no-cost” option — you’re not out of cash and can refi if rates drop. Long-term home → Consider paying the 1% to drop the rate and save monthly. The Pros โœ… No big check to write at closing โœ… “Instant” monthly savings โœ… Great for homeowners who want quick savings, knowing if the market drops again, they can do another refinance The Cons โš ๏ธ Not the lowest market interest rate โš ๏ธ Loan balance can increase if costs are rolled in โš ๏ธ May not be the best long-term solution Who Should Consider It? Homeowners with interest rates about 1% or more above the current market. Borrowers who want lower monthly payments without spending money out of pocket. Anyone refinancing to drop mortgage insurance or adjust loan terms quickly. The Bottom Line “No closing cost” doesn’t mean free—it just means structured differently. The best refinance strategy depends on your financial goals, how long you’ll stay in your home, and the rate environment. ๐Ÿ‘‰ Want to know if a no closing cost refinance makes sense for you? Let’s run the numbers together. Garrick Werdmuller Independent Mortgage Broker DRE BRKR 01368202 | NMLS 242952 ๐Ÿ“ž 510.282.5456 | ๐Ÿ“  510.225.0382 โœ‰๏ธ garrick@freshhomeloan.com ๐ŸŒ freshhomeloan.com ๐Ÿข 1151 Harbor Bay Parkway, Suite 136, Alameda, CA 94502 Socials: https://www.facebook.com/freshhomeloan/ https://www.instagram.com/garrickwerdmuller/ https://www.linkedin.com/in/garrick-werdmuller-b044253/ https://www.youtube.com/@freshhomeloan-garrickwerdm316 #Refinance #Mortgage #RealEstate #MortgageBroker #HomeLoans #Realtor #MortgageLender #LoanOfficer #FirstTimeHomeBuyer #HomeLoan #Finance #MortgageRates #Investment #HomeBuyers #RealEstateAgent #Loans #NewHome #Loan #Home #DreamHome #Property #Mortgages #MortgageTips #HomeOwnership #Lender #Realtors #Lending #Purchase #HomeBuying #Broker
By Garrick Werdmuller September 23, 2025
This is something really simple we are VERY well known for. The follow up refer back program. How it works is simple. We find most real estate agents collect a lot of leads, however the follow up can slip behind. With all the inspections, showings, listings appointments, etc. a real estate agent’s business is largely out of the office, it is no wonder some leads may slip through the cracks! Whereas we loan folks, we are tied to our computers and in the office much more. It only makes sense we do the follow up. Not only that, but we also find that a potential lead might tie you to one property or neighborhood and we can work all over. This makes it easy for us to cross sell your services and talk about things like interest rates and home payments. Instead of just making a cold call, I position it through the agent: “Hi [Name], this is Garrick with Fresh Home Loan. [Agent’s Name] asked me to check in and see if you needed help with anything or had questions about the market? Why It Works People remember the agent’s name. I’m just the bridge. It reopens the conversation without pressure. It gives us a chance to share new value—like zero down programs, FHA ARMs, Jumbo Loans, Fix n Flip, Equity Lines etc. etc. etc. or strategies to get more buying power in today’s market. For Agents, It’s a Win-Win Every time my team and I make these calls, I’m putting the agent’s brand in front of their old leads again and letting prospects know the agent has a solid follow up team. They don’t have to do the chasing, but they still get the credit when the lead is ready to move. It’s leverage. It’s consistency. And it’s one of the simplest ways to turn cold leads back into live conversations. Fresh Gold for Agents I call this process “Follow Up / Refer Back” —but really, it’s just about doing the work agents don’t always have time to do. Old leads can become fresh gold if you know how to approach them. If you’re a real estate agent and you’d like me and my team to help you re-engage your database, reach out. This is one of the easiest ways to keep your name in the game and uncover deals you thought were dead. ๐Ÿ‘‰ Contact me here and let’s get to work on warming up your cold leads. https://www.freshhomeloan.com/contact-us Or here: Garrick Werdmuller Independent Mortgage Broker DRE BRKR 01368202 | NMLS 242952 ๐Ÿ“ž 510.282.5456 | ๐Ÿ“  510.225.0382 โœ‰๏ธ garrick@freshhomeloan.com ๐ŸŒ freshhomeloan.com ๐Ÿข 1151 Harbor Bay Parkway, Suite 136, Alameda, CA 94502 Lets Connect: https://www.facebook.com/freshhomeloan/ https://www.linkedin.com/in/garrick-werdmuller-b044253/ https://www.youtube.com/@freshhomeloan-garrickwerdm316 All loan approvals are conditional and not guaranteed and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing, but until all conditions are met, loan cannot be funded. Specified rates and [products may not be available to all borrowers. Rates subject to change according to market conditions and agreed upon lock times set by borrower. Fresh Home Loan Inc. is an Equal Opportunity Mortgage Broker in California. This licensee is performing acts for which a real estate license is required. Fresh Home Loan, Inc. is licensed by the California Department of Real Estate #02137513 NMLS # 2124104 #FreshHomeLoan #RealtorLife #RealtorPartner #FollowUpMatters #LeadGeneration #RealtorSupport #AgentSuccess #RealtorTools #FirstTimeHomebuyer #RealEstateTips #RealEstateGrowth #RealtorHasYourBack #HomeLoansMadeEasy #LoanOfficerLife #MortgageBroker #ColdLeadsToClients #RealtorMarketing #RealEstatePros #FreshLeads #RealEstateStrategy #FreshGold #ReferBack
By Garrick Werdmuller August 27, 2025
Welcome back to The D&G Loan Officer Realtor Motivational Business Mindset Podcast ๐ŸŽ™๏ธ In this episode, we’re diving into a mindset shift from Dan Sullivan that has transformed how entrepreneurs, REALTORS®, and loan officers approach business: ๐Ÿ‘‰ Ready, Fire, Aim. ๏ปฟ ๐ŸŽง Listen on Spotify: https://open.spotify.com/episode/0UmcIu1EmN11YfXzvH9lzQ ๐Ÿ”ฅ What Is “Ready, Fire, Aim”? Traditional wisdom says: Ready – Aim – Fire Get prepared Get perfect Then act But Sullivan flips it to: Ready – Fire – Aim Get a direction Take fast action Refine and adjust with real feedback ๐Ÿ’ฅ Why It Works Perfection is procrastination. Waiting for perfect means you may never launch. Momentum dies when you overthink. Real feedback only comes in motion. Clarity doesn’t come from sitting still — it comes from doing, failing, and adjusting. Speed creates confidence. Quick action builds momentum, and momentum fuels smarter choices. Action filters ideas. Not every idea needs deep analysis. Execution reveals what works and what doesn’t. ๐Ÿง  Real-World Applications Podcasting: Start with what you have. Don’t wait for the perfect mic or setup. Entrepreneurship: Launch MVPs (Minimum Viable Products) and refine later. Content Creation: Post today; let feedback guide you. Marketing: Send the email, post the reel, make the call — now, not later. ๐Ÿ” Supporting Concepts by Dan Sullivan The 80% Approach: Ship it when it’s 80% good; the rest improves with feedback. Who Not How: Don’t do it all yourself — start, then find partners to fill the gaps. Failing Forward: Mistakes are part of progress — embrace them. ๐Ÿงจ Final Takeaway You don’t need it all figured out before you begin. ๐Ÿ‘‰ The only way to figure it out is to begin. “If you wait until you’re ready, you’ve waited too long.” – Dan Sullivan ๐Ÿ“… Schedule a Meeting To schedule an appointment with Garrick, visit: ๐Ÿ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller Independent Mortgage Broker DRE BRKR 01368202 | NMLS 242952 ๐Ÿ“ž 510.282.5456 | ๐Ÿ“  510.225.0382 โœ‰๏ธ garrick@freshhomeloan.com ๐ŸŒ freshhomeloan.com ๐Ÿ #ReadyFireAim ๐Ÿ’ฅ #TakeAction ๐ŸŽฏ #EntrepreneurMindset #PodcastLife #BusinessGrowth #MindsetMatters #JustStart #ActionOverPerfection #Entrepreneurship #Motivation #SuccessMindset #HustleAndFlow #LaunchNow #LearnAsYouGo #Momentum #StartToday #SmallBusiness #ContentCreators #Podcasters
Show More