Academy Bank 
1201 Walnut St Kansas City MO 64106
What can we help you find?
Contact Us
Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
Download our app
Access your
accounts here.
accounts here.
Grab your phone and scan the code to download!
Cash-Out Refinance
Pay for School. Fund Home Renovations. Payoff Debt.
Your home builds equity as you pay down your mortgage, meaning you gradually own more of it over time. With a Cash-Out Mortgage Refinance, you can access the current equity in your home—the difference between its value and what you owe. This new loan pays off your existing mortgage and deposits the remaining funds into your account.
You can use this cash back to make home improvements, pay off debt, purchase a car, or pay for college tuition. Whatever your financial needs, our team of home loan experts can help you every step of the way.
We'll help you through the entire process.
Find a Loan Advisor or call 1-855-376-3168
Already applied? You're done with the hard part! Just log in here and upload documents and see the status of your application easily. No guesswork required.
Cash-Out Refinance Features
Dedicated loan advisor to help you every step of the way
Fixed and adjustable rates available
Competitive rates and flexible terms
Cash for you to use
Fast approvals, easy process, and expert advice
What you need to know about a Cash-Out Mortgage Refinance
- When you use the equity you've built in your home to get cash back, you receive one lump payment of cash. This cash can be used for whatever you are needing to pay for.
- Your rate may increase slightly due to the increased risk of loaning more money, Your new loan will be bigger than the old one because you have borrowed the equity from your home.
- Fees apply
Log in to view your account, check your loan status, or continue a saved application.
Don't see what you're looking for, check out our Conventional Mortgage Refinance page.
Subject to credit approval. The Cash-Out Refinance loan product has specific terms and conditions. Fees apply.
Max 80% LTV, Min 620 FICO, Max DTI of 50%, Eligible for Primary/2nd Home/Investment Properties. Must own home 6 months or greater or if paying off existing first lien mortgage then lien being paid off must be seasoned at least 12 months.