Help center

What is seasoning on a cash-out refinance?

Short answerSeasoning is how long you must own the property or hold the current loan before a lender will do a cash-out refinance on the full appraised value. Many conventional and DSCR programs require 6–12 months.

Reviewed by Juan Fernando Romero, NMLS 2557318Updated October 14, 2026

Run it yourself

Cash-Out Refinance Calculator

How much equity can you pull?

Try it ›

Related loan programs

Investment property

DSCR Cash-Out Refinance

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Learn more ›

Home loan

Cash-Out Refinance

A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash, commonly up to 80% of your home’s value on a primary residence.