Want to refinance and take out 40K in cash for improvements. House is located in AZ.

More info needed, but in general, there are cash out options available.. the guidelines are different for primary residence, 2nd home and investment properties, but there is a loan.. But without knowing your exact scenario it's difficult to say for sure.. If you want, you can call or email me the specifics and I'd be happy to assist you.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

OK... A lot of people do that. Contact a local mortgage broker in your area. Give them a full application, and let them tell you what your options look like.