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Many brick & mortar banks and credit unions provide mortgage financing options. The internet provides a seemingly endless array of options for initial mortgage or a refinance... A cash out refinance mortgage will increase the amount you owe on your primary mortgage loan. While it doesn't sound good, there are several things to consider. First, think of how your monthly cash flow will change. Do you have a large payment from a HELOC or second mortgage that will be gone? Add the amount to the lower mortgage payment and you may have a considerable change in your monthly cash flow.