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Turn Your Home Equity
Into Options

Consider consolidating high-interest debt into one payment using your home equity. See your equity and cash-out options in seconds — then talk to Mario for a full analysis.

Step 1 — Are You a Veteran?

💰 VA Cash-Out — up to 100% LTV for approved borrowers (lender limits may apply).
⚡ VA IRRRL streamline available — fastest refinance path.
🛡️ Disabled Veteran? Funding fee exemption may apply.

Step 2 — What Type of Refinance?

Step 3 — What's Your Goal?

Select all that apply.

Step 4 — Enter Your Debts & Home Info

Select each debt type and enter the monthly payment. Only fill in what applies to you.

Monthly Liabilities — Select What Applies

VA Cash-Out — Things to Know

  • May let you access equity up to your lender's LTV limit
  • Can combine multiple debts into one mortgage payment
  • No monthly mortgage insurance on VA loans
  • Moves the balance to a loan secured by your home
  • Longer term can raise total interest paid over time
  • Potential tax considerations — consult your tax advisor
  • Funding fee exemption may apply for eligible Veterans

VA IRRRL Streamline

Already have a VA loan? The IRRRL (Interest Rate Reduction Refinance Loan) is the fastest way to lower your rate — minimal paperwork, no appraisal needed in most cases.

Learn About IRRRL

Talk to Mario

Get a personalized cash-out analysis from a Marine Corps Veteran who has used these programs himself.

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Equal Housing Lender  |  Equal Housing Opportunity

Veterans Home Loans.AI is a DBA of NEXA Mortgage, LLC  |  Corporate NMLS #1660690  |  Loan Originator: Mario Noriega, NMLS #476048

5559 S Sossaman Rd, Mesa, AZ 85212

Verify our licensing on the NMLS Consumer Access website.

Privacy Policy

Calculator results are illustrative estimates for educational purposes only and are not an application, a pre-qualification, a pre-approval, a refinance offer, or a commitment to lend. Consolidating shorter-term debts into a mortgage secures that debt against your home and, because the balance is repaid over a longer term, may increase the total interest and total cost paid over the life of the loan even if the monthly payment is lower. Estimates exclude closing costs and the VA funding fee. Your actual rate, APR, payment, cash available, LTV limit, and eligibility will differ.

Licensed in Arizona. Rates, terms, and programs are subject to change without notice. All loans are subject to credit approval, income and asset verification, and property appraisal. Not all applicants will qualify. This website is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs (VA) or any other government agency.

© 2026 NEXA Mortgage, LLC dba Veterans Home Loans.AI | Mesa, Arizona | Corp NMLS #1660690 | LO NMLS #476048 Licensed in Arizona | Equal Housing Lender
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