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Reinstating the Loan to Stop the Sale. Did You Know You Can Refinance Your Mortgage? A cash-out refinance lets you take out a new mortgage for more than the amount you owe on your current loan and then pocket the difference – typically up to 80 percent of your loan-to-value ratio.

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Joseph Caposella. Senior Loan Officer NMLS#: 38260. Apply Online Contact Me My Blog My Reviews.. 219 Paterson Avenue Little Falls, NJ 07424 About Me. Joe joined NJ Lenders Corp in 2001 and was honored by Mortgage Originator magazine as one of "America’s Top Mortgage Originators" in 2003

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