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PNC Solution Loan is a registered mark of The PNC Financial Services Group, Inc. PNC does not provide accounting, tax or legal advice. Fannie Mae Cash Out Refinance The simple answer is: A cash out refi is a refinance where you walk away with cash. fannie mae defines a cash out refinance as any refinance where cash back to the borrower exceeds the lesser of 2% of the new loan amount or $2,000.

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