New-construction, cash-out refi in Texas

[Fred Garza]

I'm finishing a client's new-construction home by end of Dec. They borrowed hm and used some cash/cc for additions/changes during construction. HM loan is 200k plus additional cash/cc debt of 30k, Final appraisal is approx 450k. Questions: 1) Can they cash-out on refi on long-term mortgage to recover cash/cc debt? 2) At what stage should they start the refi process? 3) Can closing costs be rolled into final loan? 4) Any referrals on Texas-based lenders would be appreciated.

Excellent credit scores, job histories, etc. Home is in Texas.