Before You Use Home Equity

See how a refinance could change your monthly obligations before making a decision.

Cash-Out Refinance Calculator

Before using home equity to consolidate debt, run the numbers first. This calculator estimates how a refinance could change your monthly obligations by comparing your current mortgage and debt payments with a potential new loan.

Once completed, you can schedule a Clarity Call to review the results and determine whether the structure truly improves your financial position.

“ Run the Numbers Before You Use Your Equity.”

Run the Cash-Out Refinance Calculator

Not Every Lender Begins With Feasibility

Too many lenders offer cookie-cutter loans without evaluating long-term equity impact.
They focus on lowering your payment — not protecting your position.
They quote numbers without walking through structure.
And you’re left with a new loan that may cost more over time than it saves.

You’ve worked hard to build your home and your future. High-interest debt and today’s economy may be creating pressure — but pressure should never force a rushed decision.

Relief is important. Preservation is essential.

Nothing else.

This is not a do-it-yourself process.

The MG360 Cash-Out Refinance Workbook is designed to be used during your Structured Clarity Call, where we review the numbers together and evaluate whether a refinance actually improves your financial position.

The purpose of the workbook is to determine feasibility before you move forward — helping ensure that any refinance decision protects your equity and avoids unnecessary long-term interest costs.

Download the workbook below to begin the evaluation process.

“ Relief is important. Preservation is essential.”

Download Workbook

🧭 The Guide: Reg Gustin and the Mortgage Guy360 Team

At Mortgage Guy360, we guide homeowners through structured equity decisions.

A cash-out refinance can eliminate high-interest debt and reduce monthly strain — but only when feasibility supports the structure.

Every conversation begins with analysis.
Every decision begins with structure.
Feasibility Before Equity.

Review: He made the whole process seamless.He is always available when needed and provided the best support one could ask for. I would love to work with him again in the future and also refer friends and family to him. Thank you so very much sir.

Kafayat O O

🪜 The Plan: Structured Feasibility First

Feasibility Review - We begin with your Feasibility & Workbook Session. Together, we evaluate equity impact, long-term interest, and whether consolidation strengthens your position.
Structured Options - If feasibility supports moving forward, you receive refinance scenarios built to protect thousands in equity from unnecessary interest — not just lower a payment.
Confident Execution - If the structure is sound, we move forward with clarity. If it isn’t, we adjust or wait. The objective is decision quality — not speed.

Avoid Costly Refinance Mistakes Before You Restructure Your Equity

Many costly refinance mistakes happen when decisions are made without structured feasibility.

That’s why every cash-out refinance at Mortgage Guy360 begins with analysis and the workbook.

Schedule your Feasibility & Workbook Session, and you’ll also receive our guide outlining the five most common cash-out refinance mistakes — so you can protect thousands in equity from unnecessary interest.

"Feasibility Before Equity.”

Schedule Your Feasibility & Workbook Session

Reg Gustin NMLS# 249410 Licensed Arizona & Texas

10150 Centennial Pkwy, Suite 120, Sandy UT 84070 NMLS# 2689817

(480) 330-1683

© 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity.

NMLS Consumer Access: NMLS 1850

*AZ BK 0906702

* Not Available in New York

* Texas mortgage banker disclosure consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.

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