Good evening Wayne. Your question is easily answered with it depends. It depends if you meant 'refinance' to simply pull cash out if the home is completely paid for. More importantly, it depends if you are on title with your son. If not, you could be a cosigner with your son and no down payment is required because the loan-to-value (LTV) is below 50%. You would both would still have to qualify with income, assets, etc that are traditionally required on a mortgage loan. As I'm sure you must be aware, additional questions abound to better answer your question. I hope this started you in the proper direction.