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Refinance Mortgage 100 Loan Value Refi Cash Out Taxable Performing a cash-out refinance is just like taking out an additional loan in terms of generating income. When you receive cash out in a refinance, the IRS recognizes that you have to pay it back, and so you really haven’t realized any income. Therefore, it doesn’t count as taxable income.Cash Out Refinance Calculator Mortgage Calculators & Resources | Home Lending | Chase.com – Refinance your existing mortgage to lower your monthly payments, pay off your loan sooner, or access cash for a large purchase. Use our home value estimator to estimate the current value of your home. See our current refinance rates.Different loans meet different needs. interest rates can change. So can your cash flow – or your home’s value. Your situation may help you decide between home equity financing or a mortgage refinance. See how home loan mortgages differ