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

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Get the money you need for your goals

Although Home Equity Line of Credit (HELOC) applications aren't available at this time, we still offer ways you can pay for the things you need and accomplish your goals.

Already have a HELOC with us? Access it anytime on chase.com or in the Chase Mobile^® app.

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

By paying off your current mortgage and creating a new one, you can 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 when to refinance and what loan term may work best.

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 larger, ongoing expenses, like a home improvement.

Learn more about My Chase loan

Break up purchases into smaller monthly payments and pay over time

Are you planning on making home improvements or a large purchase? After using your Chase credit card to make a purchase, you can pay it off over time using My Chase Plan^® — with no interest, just a fixed monthly fee. My Chase Plan 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

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

FAQs: Temporary home equity changes

Due to the current market conditions, we have suspended new HELOC applications and reallocated resources to support purchase and refinance transactions. This change protects both you and the bank and allows us to better serve our customers.

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 will 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 (including Chase) 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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