FHA Cash-Out Refinance — Requirements, Rules and Checklists (Set 2)

Guide Library · FHA Cash-Out Refinance · Set 2

72 FHA cash-out refinance guides — requirements, rules, limits and documentation checklists — published Oct 2026 to Nov 2026. Each one is written against the FHA Cash-Out Refinance program terms; the library index on that page lists every set.

October 2026

1. FHA Cash-Out Self-Sufficiency Requirements on a 2-4 Unit Primary HomeLearn how FHA self-sufficiency requirements on a 2-4 unit primary home affect a cash-out refinance, and how Lendmire can help you compare options. Ask today.
2. FHA Cash-Out Rules for a Spouse Who Lives Out of StateFHA cash-out rules for a spouse in another state: who must live in the home, whose income counts, and how to plan. Ask Lendmire to compare your options.
3. FHA Cash-Out Rules for a Home Bought Before the MarriageWondering how FHA cash-out rules treat a home bought before the marriage? See the 12-month test, spouse rules and next steps, then ask Lendmire to compare.
4. FHA Cash-Out Lien Requirements for Leased Solar PanelsLearn the lien requirements for leased solar panels on an FHA cash-out refinance and what to gather first. Contact Lendmire to compare your options.
5. FHA Cash-Out Refinance State Rules on Homestead and Spouse SignaturesFHA cash-out refinance state rules explained: homestead limits and spouse signatures by state. Lendmire can help you compare programs. Get started today.
6. FHA Cash-Out Buyout Documentation for an Existing FHA LoanLearn what buyout documentation an existing FHA loan needs for a cash-out refinance, from equity agreements to payoff papers. Ask Lendmire to review your file.
7. FHA Cash-Out Refinance Documentation for a Retiree on Asset IncomeFHA cash-out refinance documentation for a retiree on asset income: learn which papers prove each income type. Lendmire can help you compare programs. Ask today.
8. FHA Cash-Out Documentation on the Use of ProceedsDocumentation on the use of proceeds for an FHA cash-out: what lenders ask, what stays optional, and how to prepare your file. Ask Lendmire to compare programs.
9. FHA Cash-Out Acreage Rules in a High-Cost Closing StateFHA cash-out acreage rules explained: how excess land cuts your value base and cash. See how Lendmire can help you compare options and start today.
10. FHA Cash-Out Non-Borrowing Spouse Rules for a RetireeLearn non-borrowing spouse rules for a retiree on an FHA cash-out: what counts, what doesn’t, and how to compare options. Talk to Lendmire today.
11. FHA Cash-Out Solar Lien Rules for a First-Time Equity BorrowerFHA cash-out solar lien rules explained: how UCC filings, solar loans and PACE affect your 80% cash-out room. Lendmire can help you compare programs.
12. FHA Cash-Out Buyout Requirements for a Paid-Off HomeLearn the FHA cash-out buyout requirements for a paid-off home: occupancy, 80% LTV, title and co-owner rules. Lendmire helps you compare options. Get started.
13. FHA Cash-Out Requirements for a Condo Building in LitigationFHA cash-out requirements for a condo building in litigation: how HUD reviews the project, which suits matter, and your options. Talk to Lendmire today.
14. FHA Cash-Out Payment History Requirements After a Late PaymentLearn the FHA cash-out payment history requirements after a late payment, how the 12-month window works, and your options. Lendmire can help you compare.
15. FHA Cash-Out LTV Limit on a Texas HomesteadSee how the LTV limit on a Texas homestead works with FHA cash-out, and how much equity you can reach. Lendmire can help you compare your options today.
16. FHA Cash-Out Refinance Requirements on a Paid-Off HomeLearn the FHA cash-out refinance requirements on a paid-off home, from the 80% cap to occupancy and appraisal. Lendmire can help you compare options.
17. FHA Cash-Out Payment History Rules on an Existing FHA LoanLearn how history rules on an existing FHA loan affect your cash-out refinance eligibility, and call Lendmire to compare your options with confidence.
18. VA Cash-Out Requirements for a Veteran Leaving FHA or ConventionalVeteran leaving FHA or conventional? See VA cash-out requirements, appraisal and funding fee basics, then ask Lendmire to compare your home loan options.
19. FHA Cash-Out Payment History Requirements for an Existing FHA LoanFHA cash-out payment history requirements explained: the 12-month test, what counts as on time, and next steps. Talk to Lendmire to review your loan file.
20. FHA Cash-Out Refinance Equity Documentation for a Lock-in HomeownerLearn what equity documentation for a lock-in homeowner includes for an FHA cash-out: appraisal, payoff, occupancy proof. Talk to Lendmire to compare options.
21. FHA Cash-Out Payroll Link Rules for a First-Time Equity BorrowerLearn how FHA cash-out payroll link rules work: what employment proof you need and the 12-month test. Ask Lendmire to review your file.
22. FHA Cash-Out Requirements for a Loan Near the County LimitLearn the FHA cash-out requirements, how the 80% LTV cap and county limit work together, and how Lendmire can help you compare options. Start today.
23. FHA Cash-Out LTV Limit When Refinancing an Existing FHA LoanRefinancing an existing FHA loan for cash? Learn how the 80% LTV cap works, what counts against it, and compare your equity options with Lendmire today.
24. FHA Cash-Out Refinance LTV Limit and Program RulesFHA cash-out refinance LTV limit explained: the 80% cap, 12-month rules and the equity you keep. Talk with Lendmire to compare your FHA cash-out options.
25. Cash-Out Refinance LTV Limits for Conventional, FHA and VA LoansCash-out refinance LTV limits for conventional, FHA and VA loans explained. See how each cap works, then ask Lendmire to compare your equity options.
26. FHA Cash-Out Refinance Maximum Amount Rules and DocumentationLearn the FHA cash-out refinance maximum amount rules, the 80% cap and the documents lenders want, then ask Lendmire to compare your options today.
27. FHA Cash-Out Refinance Maximum LTV Requirements on a Primary HomeSee the FHA cash-out refinance maximum LTV requirements for a primary home, how the 80% cap works, and what lowers it. Ask Lendmire to compare programs.
28. FHA Cash-Out Refinance Qualification Documents and RequirementsSee the documents and requirements for an FHA cash-out refinance, from occupancy proof to income records. Lendmire helps you compare options. Request a review.
29. FHA Cash-Out Refinance Requirements When a Streamline Fits BetterLearn FHA cash-out refinance requirements when a streamline fits better, and which route suits your goal. Compare options and request a Lendmire review.

November 2026

1. Best FHA Cash-Out Refinance Program With FHA Cash Reserve RequirementsCompare the best FHA cash-out refinance program for your file and see how FHA cash reserve requirements work. Ask Lendmire to match your scenario today.
2. FHA Cash-Out Refinance Requirements to Buy Another HouseFHA cash-out refinance requirements to buy another house: 80% LTV, 12-month occupancy, and what the next loan needs. Lendmire can help you compare options.
3. FHA Cash-Out Refinance Requirements After Twelve Months of OccupancyFHA cash-out refinance requirements after twelve months of occupancy: how the 80% cap and the clock work. See what lenders check, then ask Lendmire to compare.
4. FHA Cash-Out Refinance Requirements to Build an Addition or ADULearn FHA cash-out refinance requirements to build an addition or ADU, from the 80% LTV cap to 203(k) options. Ask Lendmire to compare your choices.
5. FHA Cash-Out Refinance Requirements to Consolidate Credit Card DebtSee FHA cash-out refinance requirements to consolidate credit card debt: equity, credit, and ratio rules. Lendmire helps you compare options. Call today.
6. FHA Cash-Out Refinance Requirements After Your Home Value JumpsFHA cash-out refinance requirements after your home value jumps: the 80% cap, the 12-month rule and how to size your cash. Talk to Lendmire to compare options.
7. FHA Cash-Out Refinance Requirements and How Long It Takes to Break Even on Closing CostsLearn FHA cash-out refinance requirements and how long it takes to break even on closing costs. Lendmire can help you compare options. Call to get started.
8. FHA Cash-Out Refinance Requirements When Paying Off a HELOCSee FHA cash-out refinance requirements when paying off a HELOC: the 80% cap, occupancy rules and draw tests. Talk to Lendmire to compare your options.
9. FHA Cash-Out Refinance Requirements With an Existing HUD-Insured FHA MortgageFHA cash-out refinance requirements with an existing HUD-insured FHA mortgage: 80% LTV, 12-month tests, step-by-step. Compare options with Lendmire today.
10. FHA Cash-Out Refinance Requirements to Buy a New Primary HomeFHA cash-out refinance requirements to buy a new primary home: 80% LTV, 12-month rule and the one-FHA-home trap. Ask Lendmire to compare your options today.
11. FHA Cash-Out Refinance Requirements to Make a Gift to a Child Buying a HomeSee FHA cash-out refinance requirements to make a gift to a child buying a home, plus gift letter rules. Lendmire helps you compare options. Ask today.
12. FHA Cash-Out Refinance Minimum Credit Score RequirementsFHA cash-out refinance minimum credit score requirements explained: the 580 starting line, 80% LTV cap, and lender floors. Ask Lendmire to compare options.
13. FHA Cash-Out Refinance Rules to Buy Out an Ex-SpouseFHA cash-out refinance rules to buy out an ex-spouse: how the buyout is classified, the 80% cap and who qualifies. Lendmire can help you compare options.
14. FHA Cash-Out Refinance Rules for Buying Out a Co-OwnerFHA cash-out refinance rules for buying out a co-owner explained: the 80% cap, 12-month test and paperwork. Ask Lendmire to compare your loan options.
15. FHA Cash-Out Refinance Requirements on a Recently Bought HomeFHA cash-out refinance requirements on a recently bought home: the 12-month clock, 80% LTV cap and documents to gather. Lendmire can help you compare options.
16. FHA Cash-Out Refinance Requirements With No MortgageFHA cash-out refinance requirements with no mortgage: 12 months of occupancy, 80% LTV, credit review. Lendmire helps you compare programs. Get started.
17. FHA Cash-Out Refinance Requirements for a Roof or Storm DamageFHA cash-out refinance requirements for a roof or storm damage: how the appraisal, 80% cap and 203(k) work. Lendmire can help you compare options today.
18. FHA Cash-Out Refinance Requirements to Invest in the Stock MarketFHA cash-out refinance requirements to invest: learn how the 80% LTV cap, occupancy rule and risks work, then ask Lendmire to compare your options today.
19. FHA Cash-Out Refinance Requirements With a 740 Credit ScoreFHA cash-out refinance requirements with a 740 credit score: what the score changes, what it doesn’t, and how equity sets your cash. Ask Lendmire to compare.
20. FHA Cash-Out Refinance Requirements for a Private NoteFHA cash-out refinance requirements for a private note: occupancy, 80% LTV, payment proof and payoff steps. Lendmire can help you compare options. Ask today.
21. FHA Cash-Out Refinance Requirements With a HELOC Still OpenFHA cash-out refinance requirements with a HELOC still open: see how the 80% cap and payoff or subordination work, then talk to Lendmire about your options.
22. FHA Cash-Out Refinance Requirements for Consolidating Credit CardsFHA cash-out refinance requirements for consolidating credit cards: equity, payment history and ratios. Learn the steps, then ask Lendmire to compare programs.
23. FHA Cash-Out Refinance Requirements When Credit Is Weighed Differently Than Rate-and-TermFHA cash-out refinance requirements when credit is weighed differently: see the 80% cap, 580 floor and payment history tests. Ask Lendmire to compare.
24. FHA Cash-Out Refinance Requirements for a Retiree Living on Retirement IncomeFHA cash-out refinance requirements for a retiree living on retirement income: Get the 80% cap, income proof and costs. Ask Lendmire to compare your options.
25. FHA Cash-Out Refinance Requirements With a 700 Credit ScoreFHA cash-out refinance requirements with a 700 credit score: what the 80% cap, occupancy and DTI mean for you. Talk to Lendmire and compare your options.
26. FHA Cash-Out Refinance Requirements Right After BuyingFHA cash-out refinance requirements right after buying: the 12-month rule, 80% cap, and your options. See how Lendmire can help you compare programs.
27. FHA Cash-Out Refinance Rules After a Title ChangeLearn FHA cash-out refinance rules after a title change: how the 12-month clock works and what to do first. Talk with Lendmire to compare your cash-out options.
28. FHA Cash-Out Refinance Requirements Before Your ARM ResetsSee FHA cash-out refinance requirements before your ARM resets: 12-month occupancy, the 80% cap, and your options. Talk to Lendmire to compare programs.
29. FHA Cash-Out Refinance Requirements to Go FixedFHA cash-out refinance requirements to go fixed: occupancy, the 80% cap, and credit rules explained. Lendmire can help you compare options. Call today.
30. Best FHA Cash-Out Refinance Program Within the Maximum FHA Loan-to-Value LimitBest FHA cash-out refinance program within the maximum FHA loan-to-value limit: see how the 80% cap sizes your cash. Talk to Lendmire to compare options.
31. FHA Cash-Out Refinance Requirements on a Free-and-Clear HomeSee FHA cash-out refinance requirements on a free-and-clear home: the 80% cap, 12-month rule and tests. Talk to Lendmire to compare your options.
32. Best FHA Cash-Out Refinance Program Within FHA Loan LimitsLearn the best FHA cash-out refinance program within FHA loan limits: how the 80% cap and county limit work. Lendmire can help you compare options.
33. FHA Cash-Out Refinance Requirements as a Retiree on Asset IncomeFHA cash-out refinance requirements as a retiree on asset income: see which income counts, the 80% cap and documents needed. Lendmire can help you compare.
34. FHA Cash-Out Refinance Requirements and Limits on a Primary ResidenceFHA cash-out refinance requirements and limits on a primary residence: 80% LTV, 12-month occupancy and county caps. Ask Lendmire to compare your options.
35. FHA Cash-Out Refinance Requirements for Consolidating Debt by Pulling Out Home EquitySee FHA cash-out refinance requirements for consolidating debt: 80% LTV cap, 12-month rules, and risks. Talk with Lendmire to compare your equity options.
36. FHA Cash-Out Refinance Requirements to Pay Off a HELOC Whose Draw Period EndedSee the FHA cash-out refinance requirements to pay off a HELOC whose draw period ended, from payment history to the 80% cap. Ask Lendmire to review your file.
37. FHA Cash-Out Refinance Requirements to Consolidate Debt or Fund Home ImprovementsFHA cash-out refinance requirements to consolidate debt or fund home improvements: see the 80% LTV cap and 12-month rule, then request a Lendmire quote today.
38. Best FHA Cash-Out Refinance Program on a Condo That Meets FHA Approval RulesLearn how the best FHA cash-out refinance program works on a condo that meets FHA approval rules, and request a scenario review with Lendmire today.
39. FHA Cash-Out Refinance Requirements With a 580 Credit ScoreFHA cash-out refinance requirements with a 580 credit score: see the 80% cap, seasoning and payment rules, then ask Lendmire to compare your options.
40. FHA Cash-Out Refinance Requirements Without Bringing Cash to ClosingLearn FHA cash-out refinance requirements without bringing cash to closing: the 80% cap, costs paid from proceeds, and edge cases. Ask Lendmire to compare options.
41. Requirements for an FHA Cash-Out Refinance That Resets the Mortgage to a New 30-Year TermRequirements for an FHA cash-out refinance that resets the mortgage to a new 30-year term: see the equity, occupancy and term rules, then ask Lendmire to compare.
42. Requirements for an FHA Cash-Out Refinance That Appraises LowRequirements for an FHA cash-out refinance that appraises low: see how the 80% cap shrinks your cash and your options. Ask Lendmire to compare programs.
43. Best FHA Cash-Out Refinance Program on a Two-to-Four Unit Home Under FHA Loan LimitsCompare the best FHA cash-out refinance program for a two-to-four unit home under FHA loan limits. See the 80% cap and rules, then ask Lendmire to match your file.