We're not accepting HELOC applications right now

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Access the equity in your home with a cash-out refinance

HELOC applications aren't available at this time, but a cash-out refinance can help you access the equity in your home. Use the funds to:

Pay for home improvements or repairs
Consolidate higher-interest debt
Cover larger purchases like a car, a wedding or college tuition

Additional refinancing options

If you want to lower your monthly payment or pay off your home sooner, our mortgage refinancing options can help.

Check out our tools and resources to learn more about how refinancing works, when to consider refinancing and what loan term might be best for your needs.

Already have a HELOC with us?

If you already have a HELOC with us, you can access it anytime on chase.com or the Chase Mobile^® app.

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.

No, we are not accepting HELOC applications at this time. However, we're happy to work with you to see if another product, such as a cash-out refinance, could meet your needs

We’ll begin accepting new applications once conditions improve. This page will be updated once we can begin accepting HELOC applications again.

If you need help with your mortgage payments, please go to chase.com/MortgageAssistance for more information.

Cash-out refinancing can help homeowners who want to consolidate high-interest debt. Because your mortgage interest rate is likely to be lower than rates on credit cards or other types of bank loans, consolidating debt may reduce your overall monthly debt payments.

There are several reasons to consider refinancing depending on if you want to lower your payments, pay your home off sooner or take cash out..

You want to lower your monthly payments.
Looking to increase your cash flow? One benefit of refinancing is that you can free up some money in your budget by reducing the amount you're paying for your loan each month. You can lower your payments by refinancing for a longer time frame, like a 30-year fixed loan. Or, if you're not planning to stay in your home for more than a few more years, you may choose to refinance at a lower interest rate using an adjustable-rate mortgage (ARM).
You want to reduce the total amount you pay for the home.
If you want to pay off your home sooner and lower the total amount of interest you're paying for it, you can refinance for a shorter loan term. If interest rates have dropped, you may be able to keep your monthly payment about the same as it is now, and pay off your home a few years earlier. Doing this could potentially save you thousands of dollars in interest over the life of the loan.
You want to use your home's equity to take cash out.
Another reason to refinance is to take cash out to pay for home improvements, consolidate debt or make a big purchase. Taking cash out means using your home's equity to receive a one-time cash payment during refinancing. To receive cash out, you'll need to get a loan for more than you owe on your principal mortgage balance. Remember that cash-out refinancing also increases your overall level of mortgage debt.

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We're not accepting HELOC applications right now

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