Get the cash you need from your home's equity
- Get started in minutes
- Tap into 80% of your home equity with a cash-out refinance or home equity line of credit
- Consolidate debt, home improvements or other large purchases
Get your personalized options
Just answer a few questions and we'll connect you with a Home Lending Advisor to discuss your customized refinance options.
HELOC
This option keeps your current mortgage as is, and, with a new loan, gives you access to cash as needed during the draw period. This may be a good option if your mortgage has a low interest rate.
- Keep your current mortgage interest rate
Currently have a mortgage with a low rate? With a HELOC, you don’t have to refinance to get cash. - Flexibility
Borrow as needed during the HELOC's draw period and spend on what matters most to you. - Lower interest rates
As a HELOC is secured against your home, rates are usually lower than unsecured loans, such as credit cards or personal loans. - Interest-only payments
During the three-year draw period and the following seven years, you’ll make interest-only payments. After that, you’ll have 20 years to repay both principal and interest. Plus, you’re only required to make payments on the amount you actually borrowed. - One-time origination fee upon closing
Pay an origination fee at closing, which will not exceed 4.99% of your total credit limit. This fee is financed into the line of credit.
Cash-out refinance
This option gives you a new mortgage and access to cash to consolidate debt. This may be a good option if you need a large sum of money at once.
- Potentially lower mortgage interest rate
If rates drop, you may qualify for better rates and terms. - Full immediate amount
Receive your full lump sum amount upon closing to use immediately. - Consistent payments
Since a cash-out refinance replaces your current mortgage, you only have one monthly payment to manage. A cash-out refinance loan is fully funded and you receive all cash in a lump sum to provide stability in your monthly principal and interest payment. - Consolidate debt
Combine other debts, such as credit card balances, into one simple payment.
Why choose chase
By the numbers
- We service 3 million+ households
- Over 2 million customers chose us to finance their mortgage
- 8,700+ Zillow® customers rated our Home Lending Advisors an average of 4.9 stars
- 2025 MortgagePoint Lending Excellence Award Winner
Need a human touch? We'll be your guide
Your Home Lending Advisor helps you every step of the way.