CHASE HOME LENDING

Need cash? Think HELOC

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Here's how it works

A Chase home equity line of credit (HELOC)^, lets you use up to 80% of your home's value, as you need it.

Keep your current mortgage rate: With a Chase HELOC, you can tap into your home’s equity without changing the mortgage you have now.
Lower interest rate: Since a HELOC is secured against your home, rates are typically lower than unsecured loans.
Get up to $400,000: Receive at least 85% of your line of credit upon closing; you could access $25,000 to $400,000 by tapping into your home's equity.
Draw: Access the remaining available credit for three years to spend on what you need.
Repay: You have the option to make the minimum interest-only payments for the first 10 years, then 20 years to repay the principal and remaining interest.

Here's an example of what a HELOC could look like

Variable rate of 8.12% in ZIP Code 43240 as of March 19th, 2026.

Sample variable APR assumes a new 30-year $100,000 HELOC in second lien position with a combined loan-to-value (CLTV) ratio of up to 55% on a single-family detached primary residence in Ohio and a borrower with excellent credit. The actual APR may vary and be higher or lower than the rate shown. APR is based on the Prime Rate (the index) as published in the Wall Street Journal combined with a fixed margin and will not exceed 18%. As of March 19th, 2026 Prime Rate is 6.75%.