When you take cash out of your home, there is a Fannie Mae or Freddie Mac hit to your rate , sometimes up to 1/2%! With our no cost system we do the cash out loan for you and I pay the fees. Then 6 months later we do another no cost refinance, this time without the cash out hit, and save you even more money. It wouldn’t make sense to pay the costs twice in a year to do that, but with us all you do is save! The banks think that they have you for 30 years at the higher rate, but we beat them at their own game using their own rules to make sure your rate doesn’t stay higher than it needs to be.