Loan Program

Cash-out Refinance Loans

Cash-out refinance loans that let you access the equity in your investment property quickly, without the delays of conventional lending.

Northwest Private Lending’s cash-out refinance loans allow real estate investors to tap into the equity they’ve built in their investment properties. Whether you need capital for your next project, want to consolidate debt, or need funds for renovations, our cash-out refinance provides fast access to your equity.

Unlike conventional cash-out refinances that can take 60+ days, our hard money cash-out refinance can close in as few as 3–5 business days. We focus on the property’s value, not your credit score or income documentation.

Loan Highlights

Loan size: $50K–$2M
No bank statement or tax returns required
No minimum FICO required
No prepayment penalties
No extension fees
Funded in 3–5 business days

Is a Cash-Out Refinance right for me?

Well it depends, you are not a number and NW Private Lending is not a bank. We don’t evaluate our clients with FICO scores, citizenship, or debt to income calculations. We are a Private Lending company who gets to know our clients situations and works to do everything we can to solve problems. If you need quick cash out of your investment real estate we can give it to you, but will work with you to make sure it is the best financial decision for you.

Patricia’s Story

At Northwest Private Lending, we love being able to connect clients like Patricia with loans that wouldn’t typically be available through banks. By taking advantage of our cash-out refinance loan program, Patricia and her family were not only able to hold on to the equity in their house but their hard work paved the way for them to become first-time real estate investors!

Ready to discuss your cash-out refinance loans deal?

Same-day pre-approval. No obligation. Talk to a real person who understands your market.

Apply for a Loan 503-941-5473

Straightforward Pricing

Simple Rates and Terms

No hidden fees, no surprises. Here’s exactly what you’ll pay — the same terms we’ve offered from day one.

Loan Origination Fee

3 points / $2,500 Minimum

Loan Document Fee

$650–850

Monthly Interest Rate

1% Per Month

Monthly Payment

Interest Only

Loan Closing - Business Purpose

3–5 Business Days

Loan Closing - Primary Residence

$0 on Performing Loans

No junk fees, now or in the future. What you see is what you pay. We have built our reputation on transparency.

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Real Deals

Featured Loans

A sample of the deals we’ve funded for investors across the Pacific Northwest.

Cash-Out Refinance

39385 Dubarko Rd, Sandy, OR

Property Value$300,000Loan Amount$126,000

Borrower received the home in an inheritance but needed to take over the mortgage. At the time the home had fallen into disrepair and without the property being rented the borrower’s income would not allow them to qualify for a conventional loan. Because they could not pay off the parent’s small loan to the bank, they were going to lose the property and their Inheritance. NWPL helped the client purchase the property from the bank with a 5-year interest-only loan. NWPL also funded additional money which gave them the time they needed to fix it up and get it rented out.

Cash-Out Refinance

17431 SE Boardman ct., Portland, OR

Property Value$335,000Loan Amount$110,000

Borrower inherited the rental home but needed quick cash to pay for estate taxes and payments to other members after their mother passed away. Instead of being forced to sell the property at a discount, NWPL was able to get them the quick cash when they needed it most. This gave them the option to keep the rental property or sell it on their own timeline and at the best price.

Cash-Out Refinance

12225 & 12205 SE 19th Ave, Portland, OR.

Property Value$1,900,000Loan Amount$1,100,000

Client owned two waterfront properties on the Willamette river and wanted to subdivide 3 buildable lots in-between the two properties. Each property was liened by seperat lenders and neither would allow for the subdivision. NWPL refinanced both properties with one loan, allowed the subdivision and paid for 6-months of interest reserves to complete the project.

Cash-Out Refinance

8-plex on the east coast

Owned Property172 and 180 N 2nd, Kalama WAValue of both properties$450,000Loan Amount$160,000

Client had a great opportunity to pick up an 8-plex out of state for $160,000. They owned 2 investment properties in Kalama free and clear but had not yet been renovated. They needed to utilize the equity in those properties to close quickly. NWPL enabled them to purchase the new property with no money out of pocket and now has 10-cashfling units.

“I needed some answers to questions I had in regards to finances. Not only were they answered, I was also schooled in the fine are of what it’s like to be treated as a human and not a number or someone to make a buck off of. The talent and professionalism in closing my lone and the hands-on knowledge that I experienced is a breath of fresh air. No hassle straightforward service. True concern for me and the issue made things feel like I have been friends with the staff forever. Hard to find care for others and talent in one place. Thanks Eric for the help and the choice of staff.”

Tim Telemente

“Northwest Private Lending is a pleasure to work with and always closes on time. We have closed 10+ deals with them and they are the easiest lender I have ever dealt with. When they say they will close, they will. Hard Money has recently gone to Wall Street for funding with more stipulations and many lenders close in 30-40 days with full appraisals. Eric is true hard money and he is the decision-maker. I have peace of mind that we will close in time when I work with Eric.”

Matthew Gillis

“Eric is more than just a money lender. He’s a great person. He listens to what you need and makes it happen no matter what. He takes your need and makes it his own. We’ve been working with him now for 2 years and would love to continue, even if we have no need for funding, we see him as a friend. This guy is just awesome! I wish I could give him more than 5 stars! His whole team is outrageous!”

Renay Mortensen