Refinance and access cash for what matters most.

With a Citizens cash‑out refinance, you can access your home equity at today's competitive rates to fund big goals and move forward with confidence.

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Why choose a cash-out refinance?

A cash‑out refinance lets you replace your current mortgage with a new one that's larger than what you owe today giving you access to the difference in cash at closing. It's a simple way to tap into your home's equity and put it to work toward the things that matter most.

Renovate or upgrade your home

Use your home's equity to make meaningful improvements whether you're updating essential systems, refreshing tired spaces, or investing in projects that can enhance comfort and long‑term value.

Build a financial cushion

Create an emergency fund or strengthen your savings by converting some of your home's equity into cash providing added confidence and flexibility when life brings the unexpected.

Pay for education or medical expenses

Access funds to help cover tuition, healthcare needs, or large, time‑sensitive expenses for you or your family, all in one manageable solution.

Why many homeowners choose Citizens for cash-out refinance?

Competitive rates & flexible terms

Enjoy today's competitive rates and a range of repayment options designed to fit your financial goals.

Personalized, pressure‑free guidance

Work with experts who take the time to understand your needs and support you through every step of the process.

A streamlined, supportive process

From application through closing, our team is here to make the refinance process clear, efficient, and stress‑free.

Ready to put your equity to work?

Start your cash‑out refinance application and see how much you could access. Prefer to talk? Call (888) 514-2300 to speak with a mortgage specialist.

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Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Offers may be withdrawn without notice. Equal Housing Lender Logo Equal Housing Lender.

Mortgage State Availability Disclosure: Citizens provides mortgages in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX***, UT, VA, VT, WA, WI, WV, WY. Other geographic restrictions may apply with specific Citizens mortgage product options. ***TX only eligible for purchase transactions.