Chase is a subsidiary of JPMorgan Chase & Co., which was established in 1824. Chase merged with JPMorgan in 2000. Chase Bank offers travel rewards cards, debit cards, car buying and loans, savings accounts and CDs, business and private client services, investing, checking accounts, and home lending.

Chase home lending products include fixed-rate loans, adjustable-rate mortgages, refinance services, and Chase DreaMaker® Mortgages.  

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The Good

  • Interest Rates 
  • Mortgage Types 
  • Convenience 
  • Consumer Education 

Interest Rates 

As of October 2018, for a borrower with excellent credit purchasing a $250,000 home with a $50,000 down payment and a 30-year fixed rate loan from Chase, the interest rate comes out to be 4.875 percent, which is competitive among interest rates offered by other top mortgage lenders. 

Mortgage Types

Chase offers a variety of loan options for borrowers to choose from, including fixed rate mortgages, adjusted-rate mortgages, jumbo loans for amounts between $417,000 and $2 million, DreaMaker® mortgages for borrowers with less-than-ideal credit, FHA loans, VA loans, and refinance services.  

Convenience 

Chase mortgages can be managed through online accounts and via the Chase mobile app, which is compatible with and highly-rated for both Apple and Android devices. This app allows borrowers to stay on top of home loan details on the go. 

Online account access includes making mortgage payments, getting information on your escrow, submitting an insurance claim, and requesting a payoff quote. Chase home equity services are managed on a separate home equity account. 

You can also enroll in an automatic payment service so you don’t have to worry about remembering to pay each month. 

Consumer Education 

Chase’s mortgage learning center includes all necessary tools and information relevant to shopping for a mortgage, including: 

  • Affordability tool (price range for a new home) 
  • Mortgage calculator (rate and payment details) 
  • Home value estimator 
  • Home buyer’s checklist 
  • Sample mortgage application 
  • Credit report guide 
  • Home inspection guide 
  • Moving timeline 
  • Understanding your escrow statement 

The Bad

  • Some Details Unclear

Some Details Unclear

It is unclear how frequently Chase loan officers communicate with customers throughout the mortgage application process. Presumably, the process is done mostly online, but Chase does have branch locations across the U.S. 

Origination fees, closing costs, and credit score requirements are not disclosed on the company’s corporate website. We do know that down payments can be as low as 3% and in some cases you can apply up to $3,000 of your down payment to closing costs. 

The Bottom Line

Chase is a trusted lender with which to secure a mortgage. Consumer reviews are overwhelmingly positive and recurring themes include the ease of payment and a high quality of customer service. 

Chase’s interest rates are competitive and if you have a credit card account with Chase Bank, borrowing from the company for a home loan is especially convenient. Finally, Chase’s flagship DreaMaker® loan program is worth looking into if your credit isn’t good, requiring only 3% for a down payment (all of which can originate from an eligible grant or gift). 

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User Reviews

Star Rating

4.3
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75 Reviews

Review Breakdown

5 star
53%
4 star
29%
3 star
8%
2 star
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1 star
1%

Sentiment Criteria

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Linda

January 14th, 2020 Denton, TX DETAILS arrow_drop_down
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Great, worked well to help after hurricane destroyed our business

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Kathy Wong

January 14th, 2020 Jamaica, NY DETAILS arrow_drop_down
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Great service, answer any questions you concerned. Quick turnaround.great rate. They know the business very well.

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Dawn

January 8th, 2020 Waikoloa, HI DETAILS arrow_drop_down
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My mortgage was sold to Chase many years ago. These are the reasons for my 1 Star: A few years ago Chase contacted me about doing a refi with a much lower interest rate. After going through multiple phone calls, emails, and verification they told me they would not do the loan because I had a second on my home which was ridiculous! The second was a state loan for emergency repair, which I qualified for, all repairs made and the loan does not allow you to make payments. You have to pay off the entire amount within 15 years. Chase would not do my refi and give me cash to pay off the second, they said the second had to be paid off before they would consider doing the loan. 2. I could not pay off the second, but stayed with Chase. This year they mandated I have hurricane insurance. The state I live in does NOT mandate hurricane insurance, but Chase is. So that is $1,500 of wasted money. I am refinancing with another lender. Watch out for Chase!

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Barbara Clayton

May 15th, 2019 DETAILS arrow_drop_down
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We have used Chase banking for about 5 years and are very happy with it. We started with receiving the bonus money for tranferring a certain amount into our accont. We moved from one state to another and it was great to have Chase in both places. It made the move and selling and buying our houses easier. We like having a Chase in Wal-Mart, which has veen convenient.

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Reese

May 10th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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Chase bank had great rates, they made the process fast and there weren't too many steps and hoops to jump through. I have confidence in the overall risk of my loan because the bank has such a good reputation.

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Ashley

May 7th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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If you are looking for stability in a lender then look no further than Chase Bank. They have really great Mortgage rates right now. We are looking to purchase a second home in southern Utah and for a fixed rate right now it is unbelievable! The best thing about Chase is that it is a massive financial institution in the U.S. and wherever we move I know I can find help and trust that this is a solid bank that can help.

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wayne sanders

February 13th, 2019 Valley Center, CA DETAILS arrow_drop_down
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several years ago our home loan was with Chase. we chose to go with Chase because we felt that the terms of our loan were were fair and what we could work with. our agent was nice and explained everything clearly and took the time to answer any questions we had.

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Cristiana

February 13th, 2019 Orem, UT DETAILS arrow_drop_down
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I have an account in Chase and I can not complain about it. My husband and I transferred our Home Loans to Chase two years ago as we found out that we should pay less interest if we moved to Chase.

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Brian Scott

February 13th, 2019 Provo, UT DETAILS arrow_drop_down
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I can't say enough good things about Chase Mortgage. They offer competitive rates and have a variety of home loan options. When I had questions about my loan, their customer service representatives were courteous, patient, and knowledgeable.

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Brandie Rudy

February 12th, 2019 West Jordan, UT DETAILS arrow_drop_down
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Chase Mortgage has carried our home loan and I couldn't be happier. We are also bank and credit card customers. The website is safe and secure, easy to navigate and use to access statements, refinancing options, and even help with payments.

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Charlene Mackay

February 11th, 2019 Orem, UT DETAILS arrow_drop_down
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We were really excited when our home loan was transferred to Chase. Their online service is much better than our previous company. We’ve been with Chase for only a few months, but so far so good!

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Sunny Perry

February 6th, 2019 Springville, UT DETAILS arrow_drop_down
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Very happy with customer service. Had a problem with payment one month and they worked with me. Would recommend

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Ann Bailey

February 6th, 2019 Lehi, UT DETAILS arrow_drop_down
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I don't call Chase very often, but the few times I had, I was a little disappointed in their Customer Service. I felt like they brushed off my complaint, and didn't get it resolved in the phone call as I had hoped.

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Kent

February 5th, 2019 Lehi, UT DETAILS arrow_drop_down
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I have had several credit cards and loans with Chase. They are easy to deal with and have great products.

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Keri Christensen

February 5th, 2019 Lehi, UT DETAILS arrow_drop_down
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Our mortgage just got switched over to chase and I couldn’t be happier. I was not aware that it was switching and so out mortgage was 2 months past due. They called us up and we got it all straightened out and they were extremely helpful. No late charges and no negative reports to the credit companies.

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Leslee Muramoto

January 31st, 2019 Draper, UT DETAILS arrow_drop_down
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The rates and fees were comparable to the other companies we compared with at the time of the loan. We have autopay and so far haven’t had any issues in the 4 years we’ve been with them. We almost switched last year to a company with lower rates and I was surprised at how little Chase did to try to retain us as a customer. We tried to see if they’d give us a similar rate at a no cost refinance and they wouldn’t even call us back until the other lender was getting information from them. We stayed with Chase because the cost wasn’t worth it to switch the loan. So I guess they’re great as long as you don’t want to feel like a valued customer?

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holly parker

November 19th, 2018 Gilbert, AZ

the people are always really nice and the rates seem reasonable. it’s easy to navigate too

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Melanie Kinslow

November 1st, 2018 Buda, TX DETAILS arrow_drop_down
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Chase is one of the absolute best banks. They are trustworthy, reliable, customer service friendly, helpful, and constantly monitor our accounts and credit cards. They call whenever there is any suspicious activity and we truly appreciate that. Getting a loan with them has been an easy process, and they provide all kinds of services for free like a notary public, money orders and currency exchanges.

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Mary

October 30th, 2018 West Jordan, UT DETAILS arrow_drop_down
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Chase bank has handled two of our home loans and they've always been easy to deal with. Setting up automatic payments online was very easy without any issues.

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oallred

October 25th, 2018 Gilbert, AZ

Chase is reliable and I feel that my money is safe. Their customer service is excellent and I always feel I get the help I need quickly.

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Bob Hiatt

October 22nd, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I have my mortgage here. They have always been great. I love the online services. Very convenient and always available. Never had a problem.

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Ken Curtis

October 22nd, 2018 DETAILS arrow_drop_down
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Had my mortgage transferred th Chase. Was not happy with that and found dealing with corporate office a pain and not helpful. However, when I went to the local folks in Idaho they were great.

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Sri

September 21st, 2018 North Salt Lake, UT

Best Bank ever. Been with them for over 5 years and very happy with the service.

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deb

August 29th, 2018 Midvale, UT

Easy to work with, paying bill online is easy.

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Kristiane R Durfey

August 28th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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They are a typical credit card company who will charge ridiculous amounts for a late payment but they did have a competitive rate and the process was typical for a home loan.

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J Paul Wright

August 27th, 2018 Central, UT

Chase is my current mortgage provider. It was the third change on my current home. They have been easy to deal with and their online payment and account management is excellent. Probably the easiest company I have had to deal with as for as mortgages go. It doesn't hurt that I also have a credit card with them, so it automatically tied to my account.

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Thomas Hullinger

August 27th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I got a loan with Chase and they were very professional. They helped me through all of the steps and made the process easy for me. They pre-approved me and I was ready to go house shopping and then when I found the right one it was a quick closing.

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Lesa Burgess

August 24th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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I love Chase. We use Chase for many things including a home loan. I love their customer service and their app is my favorite. When we got a home loan we first decided to see what we could afford and then got a loan for that amount, we didn't go so how much of a loan we could get first. I felt this was smarter.

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Kris

August 23rd, 2018 Pleasant Grove, UT

Our first home loan was through Chase. A very reliable company with competitive interest rates. I would highly recommend getting your home loan through Chase.

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Bella Houtz

August 21st, 2018 South Jordan, UT

Chase has good, fair internet rates. They are very easy to work with and after i got the loan they sold it immediately so I no longer have it. But i was happy with them and the process of getting my loan.

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Cheryl Linden

August 1st, 2018 Cave Creek, AZ

very harsh; easy to get $$ but very high interest rates

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Jennifer Hargrave

July 30th, 2018 Gilbert, AZ

I am a long time customer of Chase Banking and have had nothing but great experiences with both our personal and business accounts. We have had two incidents where out credit card was fraudulently used and both times Chase denied the purchases, contacted us immediately and had new cards issued that day. I always feel protected using Chase.

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James B nelson

July 23rd, 2018 Las Vegas, NV

Chase moved quickly to take over my mortgage once initiated. They have been excellent for the billing and helpful in their reporting. I have no complaints. OF course I have been a perfect customer so they have had no need for an exception.

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Karen Nelson

July 16th, 2018 Alpine, UT

I have banked with Chase for years. They have always been very helpful and their online banking is extremely user friendly.

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Kaleb Herbert

July 9th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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I absolutely love this bank. They are easily accessible as they are on every corner. They staff is friendly and knowledgable. I have been banking with them for over 10 years. When there has been an issue they are always willing to work with me to resolve it. I have a 2nd mortgage with them, which was signed and closed over the phone and by mail.

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Jess Root

July 6th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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Our experience with Chase was pleasant. The rate was low, the communication was great and everything went smoothly.

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James Winnie

July 6th, 2018 Gilbert, AZ

This process is never fun, but my experience with Chase was as straight-forward as it gets. They told me exactly what I needed, what not to do (get new lines of credit and stuff), and we just waited for underwriting to finish. Their rates are reasonable, and they have never sold my loan to a different carrier. Service has always been there when I've needed it. Payment terms are well advertised, including penalty date.

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michelle l pierce

June 26th, 2018 Gilbert, AZ

I have family that have used them for home loans, Good rates and service

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Taylor Siren

June 21st, 2018 Gilbert, AZ

Chase bank helps you receive the loan you need to accomplish your dreams and progress in life.

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Scott J Fruchter

June 4th, 2018 San Bernardino, CA DETAILS arrow_drop_down
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excellent customer service, sometimes slow follow up

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Bella Houtz

May 31st, 2018 South Jordan, UT

We've banked with Chase for years. Customer service is very helpful and are always friendly and eager to answer any questions.

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Lynette Fowler

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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They have been great to work with on our rental loan.

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Jackie Landman

May 25th, 2018 Valley Cottage, NY DETAILS arrow_drop_down
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always easy to deal with , like the people at the branch who are always helpful

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Eugenia Lee

May 25th, 2018 Tucson, AZ DETAILS arrow_drop_down
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they are there when we need them. Good customer service

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Lisa Sitze

May 3rd, 2018 Round Rock, TX DETAILS arrow_drop_down
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I have a credit card with Chase and I have never had trouble with them. When I have an issue they resolve it quickly!

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sandra timmons

May 2nd, 2018 DETAILS arrow_drop_down
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Been my husband's for many years any never an issue-When he has ?'s we call and they answer we all the facts and when I hang up my husband knows where he stands-One terrific company to have on your side side

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Thomas Hansen

May 1st, 2018 Palo Alto, CA DETAILS arrow_drop_down
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Chase is a nice bank with a good website and clean app, but you need to watch out for their fees.

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teddy luszcz

April 25th, 2018 DETAILS arrow_drop_down
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I'll give them a benefit of a doubt since we had very little interaction with them. Every month we made the payment and that was it.

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John Bilas

April 25th, 2018 DETAILS arrow_drop_down
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Been a customer for over 30 years and have always had positive experiences with Chase

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Leslie

February 21st, 2018 Girard, TX DETAILS arrow_drop_down
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Best that I've used and offers a reward back.