Typically how much rate increase is there for cash-out in a refi situation?

There are many factors that are considered.. loan amount, loan to value, property type.. etc.. but in general, if your LTV is below 70% the rate and terms should be the same.. if you go higher than that, then your going to pay a higher rate which will vary from lender to lender.. but typically no more than 1/4%.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

There are lots of variables depending on whether this is your residence, type of loan, qualifications, loat-to-value, etc. The rate is usually at least 0.125% higher and the maximum cash out is typically 85% (90 for a VA loan), less if it is a jumbo loan or rental property.

Generally speaking, if you are under 70%, there is no adjustment. At 80%, figure .125%, at 85%, add another .125%. Conventional cash-out refinance is capped at 85% of an actual current appraisal.

80% to 85%, with good credit and income, at about 0.25% rate differential.

It really depends on the details: what your current mortgage interest rate is; how much you need to pay off the credit cards; how long it would take you to pay off the credit cards if you don't wrap them into a new mortgage, and other factors. In some cases it might make sense to simply take out a home equity loan to pay off the credit cards, some of those will go to as high as 90%for teh right borrower. Also, you will need to make sure that once the credit cards are paid off that you don't charge them up again - generally you should try not to put anything on a credit card if you can't pay the bill - in full - when you get it. almost everone needs at least 1-2 open credit cards so you don't necessarily want to close them either.