Featuring: Bradley Shivers | CMG Home Loans | Direct: (334) 759-6482
Authority Lender in Alabama: LenderAL.com
SECTION 1: Understanding Cash-Out Refinancing in 2025
- What is a cash-out refinance?
- How does it compare to HELOCs or personal loans?
- Why 2025 is shaping up to be the year for homeowners to refinance in Alabama
🔢 Graph: “Cash-Out Refinance vs HELOC vs Personal Loan – Cost Comparison (2025 Projections)”
| Product Type | Average Rate | Funds Accessibility | Monthly Payment | Flexibility |
|---|---|---|---|---|
| Cash-Out Refinance | 6.5% | Lump-sum | Fixed | Moderate |
| HELOC | 8.25% | Revolving | Variable | High |
| Personal Loan | 10.5% | Lump-sum | Fixed | Low |
SECTION 2: Meet Bradley Shivers — Alabama’s Cash-Out Refinance Expert
- Local roots, national strength: why Alabama homeowners trust Bradley Shivers
- Backed by CMG Home Loans – a lender licensed in all 50 states with tech-forward solutions
- Proven track record: on-time closings, smart product guidance, and transparent communication
☎️ Contact Bradley directly at: (334) 759-6482
🔗 Visit: LenderAL.com
SECTION 3: Top 5 Reasons Homeowners in Alabama Choose Cash-Out Refinancing
- 💳 Pay off high-interest credit cards
- 🛠️ Fund home renovations to increase property value
- 🎓 Pay for college or career training
- 📈 Consolidate debts into one low fixed rate
- 💼 Build an emergency or investment fund
📊 Graph: “Average Equity Gained by Alabama Homeowners (2020–2024)”
| Year | Avg. Home Value | Equity Gain YoY |
|---|---|---|
| 2020 | $178,000 | — |
| 2021 | $198,000 | +11.2% |
| 2022 | $215,000 | +8.5% |
| 2023 | $232,000 | +7.9% |
| 2024 | $248,500 | +7.1% |
📃 SECTION 4: The CMG Advantage – Refinance Products that Go Beyond the Basics
Standard Products:
- Rate-and-term refinance
- Cash-Out
- FHA, VA, USDA, and Conventional
Specialty Products:
- All In One Loan™ – Mortgage + Checking
- Renovation Refinance – One loan for home upgrades
- All In One HELOC – Up to $400K in 5 days
- Rate Protection Plus (RPP) – Lock in lower rates
- First Responders Credit – $500 closing cost credit
🗂️ Table: “Which Refinance Option Is Right for You?”
| Loan Type | Best For | Key Benefit |
|---|---|---|
| Cash-Out Refi | Home upgrades, debt consolidation | Lump sum access to equity |
| All In One Loan™ | Income earners with savings | Reduces interest paid over time |
| Renovation Refinance | Fixer-uppers or additions | Wraps costs into loan |
| FHA/VA/USDA Refinance | Qualifying borrowers | Lower credit or no down payment |
| RPP Program | Recent homebuyers | Protection from rate drops |
SECTION 5: How the Refinance Process Works with Bradley Shivers
Here’s the typical cash-out refinance process when working with Bradley:
- 📞 Initial Consultation – Call (334) 759-6482 or visit LenderAL.com
- 📋 Review Financial Goals & Documents
- 🧠 Choose the Best Refinance Option
- 🖊️ Application & Appraisal (if needed)
- 📦 Closing & Fund Disbursement
🕐 Timeline Graph: “Cash-Out Refi Timeline – From Application to Funding”
| Step | Avg. Time (Days) |
|---|---|
| Consultation | 1–2 |
| Application + Docs | 1–3 |
| Underwriting | 5–7 |
| Appraisal (if needed) | 3–5 |
| Closing & Funding | 5–7 |
SECTION 6: Smart Uses of Cash from Alabama Homeowners (Real Scenarios)
- The Hughes Family (Birmingham): Paid off $48K in credit card debt → Saved $1,100/month
- Emily R. (Montgomery): Pulled $75K equity for renovations → Home appraised 22% higher
- Robert D. (Auburn): Cashed out $100K for investment → Built short-term rental portfolio
SECTION 7: Why 2025 Is the Year to Refinance in Alabama
- Falling interest rates forecasted
- Property values remain high
- Recession-resilient move to tap equity
- Renovations increase home value ahead of potential 2026 sales boom
📈 Graph: “Projected Interest Rates – 2025 vs 2024”
| Quarter | Avg. 30-Yr Rate (2024) | Projected Rate (2025) |
|---|---|---|
| Q1 | 7.05% | 6.45% |
| Q2 | 6.82% | 6.25% |
| Q3 | 6.58% | 6.10% |
| Q4 | 6.35% | 5.95% |
SECTION 8: Bradley Shivers’ Personal Message to Alabama Homeowners
“Your home is more than just where you live—it’s your greatest financial asset. Whether you’re renovating, consolidating debt, or planning ahead for college or retirement, let’s unlock the equity you’ve earned. I’m here to help you make smart, strategic moves with confidence.”
— Bradley Shivers, CMG Home Loans
📞 (334) 759-6482 | LenderAL.comSECTION 9: Ready to Explore Your Cash-Out Refinance Options?
Whether you’re a first-time homeowner or a seasoned investor, now is the time to take advantage of rising equity and strategic lending options. Reach out today and see how Bradley Shivers can guide you every step of the way.
📲 Call or Text Bradley Now: (334) 759-6482
🌐 Visit His Authority Page: LenderAL.com🔍 Explore More Resources: Cash-OutRefinance.com