Replace your mortgage with a larger one and receive the difference in cash. Access your Florida home equity for any purpose.
80-100%
Max LTV
Unlimited
Cash
Any
Uses
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Replace existing mortgage with larger loan
- Receive difference as cash at closing
- Conventional: up to 80% LTV
- FHA: up to 80% LTV
- VA: up to 100% LTV (veterans only)
- Use funds for any purpose: improvements, debt, investment, education
Who Is This For?
- Homeowners who want to access equity for home improvements
- Debt consolidation (replace high-interest debt with mortgage rate)
- Funding a child’s education or major life expense
- Real estate investors using equity for next property’s down payment
Florida-Specific Considerations
- Florida home appreciation has created significant equity for many homeowners
- VA cash-out at 100% LTV — unmatched by any other program
- Florida doc stamp tax applies to full new loan amount
- Intangible tax applies to new money only
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