Borrowers with strong credit can now use as little as a pay stub to obtain a home equity loan or line of credit through J.P. Morgan Chase & Co. The loans are available through mortgage brokers and lenders originating loans on behalf of Chase. Homeowners with a credit score of 700 or better can use one pay stub that includes year-to-date earnings to obtain a home equity loan or line of up to $350,000. The second mortgage can be taken out against a primary residence, second home, or non-owner occupied home.