Kentucky VA Cash-Out Refinance Rules
The VA cash-out refinance program allows eligible Kentucky homeowners to access home equity for debt consolidation, home improvements, or major expenses. This guide explains how it works and what to expect.
How the VA Cash-Out Refinance Works
- Borrow up to 90 percent of the home’s value in many cases
- New full appraisal required
- Full income and credit documentation
- Previous occupancy requirement must be met
Why Kentucky Homeowners Use This Program
- Debt consolidation
- Home remodeling projects
- Eliminating a high-rate second mortgage
- Accessing equity during market growth
Credit and Income Guidelines
Typical minimum credit requirements range from 580–620, and DTI limits follow standard VA rules, with residual income being the key approval factor.
KENTUCKY VA MORTGAGE LENDER 