Access your home's equity with a cash-out refinance

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Access your home’s equity with a cash-out refinance

By paying off your current mortgage and refinancing to a new loan, you may be able to keep part of your home's equity as funds.

Read our beginners guide to cash-out refinance to learn more about how you can:

Pay for home improvements

Consolidate debt

Make a big purchase

Go to Chase MyHome

Interested in other mortgage refinance options?

Refinancing could help you lower your monthly payment or own your home sooner. Explore our tools and resources to understand more about refinancing and what loan term may work for you.

Get the money you need from the credit you already have with My Chase Loan^®

Chase cardmembers can turn a portion of their card's available credit limit into cash with no application or credit check required. Get the funds deposited in as little as 1-2 business days and pay it off over time at a lower, fixed APR. You can use the funds for anything you may need, but with a minimum loan amount of $500, My Chase Loan may be best for a larger purchase like a home improvement project.

Learn more about My Chase loan

Break up purchases into smaller monthly payments with Chase Pay Over Time^®

Are you planning on making home improvements or a large purchase? After using your Chase eligible credit card to make a purchase, you can use Chase Pay Over Time^® (formerly My Chase Plan^®) to pay it off in smaller monthly payments with no interest, just a fixed monthly fee. Pay Over Time is available for eligible purchases of $100 or more, so you can treat yourself while enjoying manageable payments.

Learn more about My Chase plan hub

Check your score for free with Chase Credit Journey^®

Before making financial moves like refinancing or taking out a loan, it’s a good idea to check up on your credit. Chase Credit Journey makes it easy to take control of your financial health.

Check your score anytime with no impact to your credit

Get alerts about changes on your credit report and receive free identity monitoring

Get free score

Set a score goal and follow a personalized plan provided by Experian to help improve your score

FAQs: Temporary home equity changes

If you’re looking to access additional funds, your home could be a source of financing. A cash-out refinance replaces your existing mortgage with a new one, and lets you withdraw a portion of your home’s equity in cash to use toward things like home improvements, debt consolidation or other large expenses. Your new loan amount may be higher to reflect the lump-sum amount of cash you receive.

When considering a cash-out refinance, it's important to keep in mind how much equity you have to work with, as well as current interest rates, as a cash-out refinance is typically preferable when you can receive a lower interest rate on your new mortgage compared with your current one.

Unlike traditional loans, with My Chase Loan there’s no need for an application, a credit check or a separate account to manage. My Chase Loan allows you to borrow money from your existing card’s available credit. We'll show you a single statement, and you'll have one monthly payment due on your credit card account.

Credit Journey uses VantageScore 3.0^® by Experian. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that's different from your VantageScore.

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Access your home's equity with a cash-out refinance

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