which lenders offer my VA cash-out refinance?

Many major banks, credit unions, and specialized military lenders offer VA cash-out refinancing. Because VA cash-out loans are widely backed by the Department of Veterans Affairs, you can look to dedicated military lenders as well as national retail mortgage companies.

Top lenders that offer VA cash-out refinances include:

• Veterans United Home Loans — Specializes heavily in military and veteran financing with robust 24/7 customer support and dedicated VA expertise. You can check their options directly on the Veterans United Home Loans Site.
• Navy Federal Credit Union — Frequently noted for having some of the lowest average interest rates and competitive closing costs for military members and veterans. Learn more via Navy Federal Credit Union.[finance.yahoo.com](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)
• PenFed Credit Union — Known for great rates and capped or low lender processing/origination fees on VA products. Check details at PenFed Credit Union.[finance.yahoo.com](https://www.cnbc.com/select/best-va-loan-lenders/)
• Rocket Mortgage — Offers a streamlined, fully digital online application process for VA refinancing which you can view at Rocket Mortgage.
• Pennymac — One of the country's largest retail VA lenders by volume, providing dependable closing times and support for veteran refinances. More info is available via Pennymac Mortgage Review.[finance.yahoo.com](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)
• USAA — A staple financial institution for military families offering a wide array of specialized VA loan and refinance programs.
• Chase Bank — Provides robust in-person branch assistance combined with specialized handling for larger VA or jumbo refinance amounts.[finance.yahoo.com](https://www.cnbc.com/select/best-va-loan-lenders/)

If you want to compare multiple lenders at once or see pre-qualified rates without hurting your credit score immediately, you can also explore an online marketplace like LendingTree.

To help narrow down which lender might be the absolute best fit for your cash-out refinance, could you share:

• Approximate credit score range
• How much cash equity you are looking to pull out
• Whether you prefer fully online management or in-person branch service?

Yes. Several major lenders currently advertise VA cash-out refinance loans.

• Veterans United Home Loans — offers VA cash-out refinancing, including refinancing both existing VA and non-VA mortgages.Veterans United Home Loans
• Navy Federal Credit Union — offers VA cash-out refinancing up to 100% of the home's value, subject to approval and VA requirements.Navy Federal Credit Union
• PenFed Credit Union — offers a VA Cash-Out Refinance option for accessing home equity.PenFed Credit Union
• Freedom Mortgage — offers VA cash-out refinancing and states that its minimum credit score can be as low as 550 for this product, although individual approval requirements apply.Freedom Mortgage
• Rocket Mortgage — offers VA cash-out refinancing and advertises the ability to access up to 100% of home equity for qualifying borrowers.Rocket Mortgage

The VA itself doesn't make the typical VA-backed cash-out loan; you obtain it through a private bank, mortgage company, or credit union. VA specifically recommends contacting several lenders because rates, fees, and underwriting standards can vary.Veterans Affairs

One important distinction

If you already have a VA mortgage and only want a lower rate/payment without taking cash out, that's generally an IRRRL, not a cash-out refinance. A VA cash-out refinance is the option if you want to pull equity out—or refinance a non-VA mortgage into a VA loan.Veterans Affairs+1

If you give me your approximate home value, current mortgage balance, current interest rate, credit score range, and how much cash you want out, I can compare the lenders above and show you what the refinance could look like, including estimated new payment and closing costs.

Many major national banks, credit unions, and specialized military lenders offer VA cash-out refinance loans. Because terms, interest rates, and closing costs vary significantly, it is best to compare multiple options to find the right fit for your home equity goals.

Top lenders that offer VA cash-out refinances include:

• Veterans United Home Loans — Widely recognized as a top dedicated VA loan specialist, offering extensive guidance tailored specifically to service members and veterans looking to access equity.[cnbc.com](https://www.cnbc.com/select/best-va-loan-lenders/)
• Navy Federal Credit Union — Known for offering some of the lowest competitive interest rates on the market and specialized refinancing options for military members.[cnbc.com](https://www.cnbc.com/select/best-va-loan-lenders/)
• Rocket Mortgage — Highly rated for a fully digital, streamlined online application and pre-approval experience.
• PenFed Credit Union — Frequently noted for competitive terms, low or no lender origination fees, and helpful online calculators.
• Pennymac — A top-five national VA loan originator and servicer that provides structured cash-out refinancing options across all 50 states.
• Freedom Mortgage — A large, experienced VA-approved lender specializing in government-backed loan products and refinances.
• loanDepot — Features dedicated VA loan specialists and flexible portfolio options for various credit tiers.

To help me narrow down which lender or specific offer might suit you best, let me know:

• What is your approximate credit score?
• Roughly how much equity do you have in the home compared to the cash amount you want to pull out?

Most major VA-approved lenders, national banks, and credit unions offer VA cash-out refinancing, which lets you replace your current mortgage (even if it isn't a VA loan) with a larger one to pull equity out.

Top lenders widely recognized for handling VA cash-out refinances include:

• Veterans United Home Loans — Veterans United Home Loans specializes exclusively in military and veteran home financing, making them a leading choice for customized VA refinancing guidance.
• Navy Federal Credit Union — Navy Federal Credit Union is a top volume lender known for competitive rates and specialized service for members with a military connection (membership is required to close).
• PenFed Credit Union — PenFed Credit Union offers broad membership access and strong terms for VA cash-out refinances with flexible online tools.
• Rocket Mortgage — Rocket Mortgage provides a streamlined, fully digital application and fast online pre-approval process for refinancing.
• Pennymac — Pennymac is one of the country's largest overall VA loan originators and servicers, handling cash-out refinances across all 50 states.
• Freedom Mortgage — Freedom Mortgage is a major government-loan specialist that accommodates lower credit score tiers for VA cash-out options compared to many traditional retail banks.
• USAA — USAA is well-regarded for low average fees and strong customer satisfaction among eligible military members and veterans.

If you want to narrow down your options, tell me:

• What is your approximate credit score?
• Are you looking for a fully online experience or in-person support?
• Do you already have a membership with a military credit union like Navy Federal or PenFed?

VA cash-out refinance loans are offered through private VA-approved lenders (banks, credit unions, and mortgage companies), not directly through the VA. Terms and fees vary, so it’s useful to compare multiple lenders.Veterans Affairs

Some lenders that offer VA cash-out refinances include:

• Veterans United Home Loans — specializes in VA loans and offers VA cash-out refinancing.Veterans United Home Loans
• Navy Federal Credit Union — offers VA mortgage products for eligible members.Lendtrain
• Rocket Mortgage — offers VA refinance products, including cash-out options.Mortgage Research Network
• Freedom Mortgage Corporation — a high-volume VA lender that offers refinance products.Mortgage Research Network
• U.S. Bank — offers VA home loan products, including refinance options.Lendtrain
• Armed Forces Bank — offers VA cash-out refinance loans.Armed Forces Bank

When comparing quotes, check:

• Interest rate and APR
• Closing costs and VA funding fee (if applicable)
• Maximum loan-to-value allowed
• Credit score and debt-to-income requirements
• Whether the lender adds stricter requirements than VA rules

VA eligibility generally requires a valid Certificate of Eligibility (COE), meeting VA and lender credit/income standards, and occupying the home as your residence.Veterans Affairs

I can also help you compare lenders based on your state, credit score, current VA/non-VA mortgage, and how much cash you want to take out.

Several lenders currently offer VA cash-out refinances, including:

• Veterans United Home Loans — currently advertising 30-year VA cash-out rates around 6.75%.Veterans United Home Loans
• Navy Federal Credit Union — offers VA cash-out refinancing with up to 100% of home value, subject to approval.Navy Federal Credit Union
• Rocket Mortgage — offers VA refinance products, including cash-out options.Rocket Mortgage

The VA itself doesn't make the loan; you apply through an approved private lender, and VA says to compare several lenders because rates and fees vary.va.gov

If you give me your state, approximate home value, current mortgage balance, credit score, and how much cash you want, I can narrow this to the lenders most likely to be competitive for you.

A wide range of VA-approved lenders handle VA cash-out refinances, allowing you to tap into your home equity. Top lenders specializing in or offering robust VA cash-out refinance options include:cnbc.com [cnbc.com](https://www.cnbc.com/select/best-va-loan-lenders/)

• Veterans United Home Loans — Widely recognized as a top choice specifically for VA refinancing and dedicated customer support.
• Navy Federal Credit Union — Frequently noted for offering some of the lowest average interest rates and favorable terms for military members.
• Rocket Mortgage — Known for a streamlined, highly digital online application and fast closing times.
• PenFed Credit Union — Popular for competitive rates and reducing or waiving certain lender/origination fees.
• USAA — A staple for military families, highly rated for handling specialized and jumbo VA products.
• Pennymac — One of the nation's largest retail VA lenders and servicers with reliable on-time closing performance.
• SoFi — Great for a digital-first experience, occasionally offering promotional fee waivers on VA loans.
• New American Funding — Known for flexible options and fast closing guarantees.money.com [cnbc.com](https://money.com/best-cash-out-refinance-lenders/)[[2](https://money.com/best-cash-out-refinance-lenders)](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)[[3](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)](https://www.cnbc.com/select/best-va-loan-lenders/)

If you'd like to narrow this down, please tell me:

• What is your approximate credit score?
• Roughly how much equity do you want to pull out?
• Do you prefer an online-only process or a credit union/bank relationship?

I can help you compare specific options.

Yes. A VA-backed cash-out refinance can refinance either an existing VA loan or, in many cases, a conventional/FHA loan into a VA loan while allowing you to take equity out as cash. VA says you obtain the loan through a private lender, and recommends comparing several lenders because rates and fees vary.Veterans Affairs+1

Some lenders currently offering VA cash-out refinances include:

• Veterans United
• Navy Federal Credit Union
• USAA
• PenFed Credit Union
• Chase
• Flagstar Bank
• NBKC
• Alliant Credit Union
• First Federal Credit Union
• SoFi

A 2026 lender survey found 41 lenders offering VA cash-out refinances, including the lenders above.NerdWallet

If you're in Nevada, there are also local mortgage lenders/brokers offering VA cash-out programs. For example, Crosspoint Financial advertises VA cash-out refinancing in Las Vegas, and Valley West Mortgage discusses Nevada cash-out refinancing.VA Streamline+1

What I'd compare

Don't choose based solely on the advertised rate. Ask each lender for the same scenario and compare:

• Interest rate and APR
• Cash you'll actually receive at closing
• Total closing costs
• VA funding fee
• Loan-to-value/equity requirement
• Minimum credit score
• Whether they allow your intended use of the cash
• Whether they have overlays beyond VA requirements

VA confirms that a cash-out refinance requires full underwriting and an appraisal, unlike an IRRRL.Benefits

If you give me your approximate home value, current mortgage balance, current interest rate, desired cash-out amount, and credit-score range, I can narrow this to the lenders that are most likely to be competitive for your situation and estimate whether a VA cash-out refinance makes financial sense.

A VA cash-out refinance is widely available across many major banks, credit unions, and specialized military lenders. Unlike more niche products (like VA renovation loans), dozens of standard mortgage providers handle VA cash-out refinances to replace an existing mortgage—VA or non-VA—with a new, larger loan.

Top-rated lenders that frequently rank highest for VA refinancing and military borrower satisfaction include:

• Veterans United Home Loans : Widely recognized as the nation's largest dedicated VA loan specialist, offering 24/7 customer service and extensive guidance tailored specifically to military families.nerdwallet.com [nerdwallet.com](https://www.nerdwallet.com/mortgages/reviews/veterans-united)
• Navy Federal Credit Union : Frequently top-ranked by financial publications like NerdWallet for having some of the lowest average APRs, competitive costs, and flexible credit score requirements for members.finance.yahoo.com [nerdwallet.com](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)[[2](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)](https://www.nerdwallet.com/mortgages/best/va-mortgage-lenders)
• Pennymac : One of the country's largest retail VA lenders by volume, known for a streamlined digital process and competitive pricing on government-backed loans.finance.yahoo.com [nerdwallet.com](https://finance.yahoo.com/personal-finance/mortgages/article/best-va-loan-lenders-182919054.html)
• Rocket Mortgage : Highly rated for a fully digital, user-friendly online application experience and fast tracking times.
• USAA : A staple for military members and veterans, providing specialized customer service and dedicated VA mortgage options.
• loanDepot : Features dedicated VA loan specialists and an expansive lending portfolio that accommodates various credit profiles.
• Major National Banks: Traditional institutions like Chase Bank and Wells Fargo also routinely process VA cash-out refinances if you prefer banking with a brick-and-mortar institution.

To help narrow down which lender makes the most sense for your cash-out refinance, let me know:

• What is your approximate credit score?
• Roughly how much cash are you looking to pull out, and what is your current home's estimated value?
• Do you prefer a fully digital online process or a dedicated loan officer/in-person support?