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

Please turn on JavaScript in your browser

It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

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.

Turn available credit into a lower-APR loan with My Chase Loan^®

Take advantage of the credit you already have on your Chase credit card to get a flexible, lower-APR loan, with funds deposited directly into your bank account — no fees or credit check required. 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 with My Chase Plan^®

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, and no credit check required. My Chase Plan is available for purchases of $100 or more, so you can treat yourself while enjoying more 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 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.

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Please update your browser.

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

Chase Home Lending

Buying a House

Refinance

Affordability

Home Lending Customer Service

About Chase

You're now leaving Chase