This means your new loan may take longer to pay off, your monthly payments may be different, or your interest rate may change. Be sure to look at the Closing Disclosure from your lender and analyze your new loan terms before you close. Cash-out refinances are contingent upon an appraisal by an independent third party. Appraisals can take time, so factor this into your refinancing timeline. Keep in mind that the appraisal will determine how much your lender is willing to give you. Take the time to prepare your property by cleaning up the outside of your home, washing windows and fixing visible damage before the appraisal happens.
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