Can I refinance and get cash out or obtain a Home Equity Line of Credit? The BMR program documents prohibit taking cash out when refinancing.Welcome to Bay Equity Alameda. We are part of Bay Equity, a full-service mortgage lender that's here to get you home. SECTION 4 – GENERAL FIRST LOAN REQUIREMENTS. 15-17. Payoff requests should be faxed to 847-932-8266. Our easy-to-use mobile mortgage app, AMC Vantage, makes the home loan process more simple than ever. It is a way of consolidating all of your debts into a single loan with one monthly payment. Home Equity Lines of Credit, Home Equity Loans and Reverse Mortgages. HCD does not allow AC Boost Applicants to open Home Equity Line of Credit, Home Equity.