For the average citizen, buying a house is the biggest purchase they will ever make. For real estate professionals, it’s a Tuesday. Even the pros need an influx of cash from time to time for repairs, upgrades, renovations, and whatever else comes their way. As a cash-out refinancing lender, LJC Financial can do just that.. Using traditional banks and lenders for a cash-out refinance loan in Houston is a long, drawn-out process full of documentation, bank statements, and headaches. Hard cash lenders streamline the process and make it much faster and more efficient.