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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72 Reviews

Review Breakdown

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abb
February 5th, 2018 Lancaster, PA DETAILS
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they bought the mortgage from another company; difficult to deal with; poor customer service

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Christina Amato
February 5th, 2018 Hayward, CA DETAILS
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They are an excellent company. Was not very happy when they sold my mortgage after 10 years

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Rosemary Lesser
February 5th, 2018 San Pablo, CA DETAILS
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Excellent rates, user friendly website, mortgages serviced by Chase for past 17 years.

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Stephen Bookbinder
February 5th, 2018 Mount Vernon, NY DETAILS
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poor customer service - hard to deal with

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Gertrude Whelan
February 5th, 2018 Melbourne Beach, FL DETAILS
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at times frustrating to deal with, for example in process of updating insurance coverage info.

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Greg Newkirk
January 26th, 2018 DETAILS
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Their service of my mortgage and associated accounts is accurate and timely

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Don Chambers
January 26th, 2018 DETAILS
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Chase does an adequate job. Fairly easy to deal with, posting accurately

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David
January 22nd, 2018 DETAILS
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It took six or seven weeks to process our mortgage. Slowest and most cumbersome I have ever experienced. Too much bureaucracy.

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Catrina L. Smith
January 15th, 2018 DETAILS
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Chase provides great customer service. They are flexible, reasonable, and understanding.

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R
January 15th, 2018 DETAILS
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Great customer service. Deliver what they promised.

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Dick Taeuber
January 15th, 2018 DETAILS
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good service, good customer support -- even though I am with them because theyu bought my re-fe mortgage

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Deanna
January 15th, 2018 DETAILS
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They can be rude at times. Have called them a few times, was not happy with who i dealt with.

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Anping Liu
January 9th, 2018 DETAILS
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Good services, communications are good and on time.

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Chaz
January 9th, 2018 DETAILS
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They have been good.on all occasions like correcting late payments paying online,

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Chuck
January 9th, 2018 DETAILS
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Extremely cumbersome beaurocratic long application process.

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Diana Taylor
January 9th, 2018 DETAILS
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Been with chase for years no problems with loans they are very honest.

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Kati Biren
January 9th, 2018 DETAILS
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Customer service is SO frustrating and they do audits of my account in OCTOBER before our city releases the proposed taxes for the next year so I'm always under or over in my escrow...the website is easy to use/get info from

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Kristin
January 9th, 2018 DETAILS
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Great interest rate, good customer service

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Larry Trap
January 9th, 2018 DETAILS
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Accurate and fair assessment of value of property.

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Ded
September 14th, 2017 Tampa, FL

Been trying refinance and they dropped the ball.

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Tom Fisher
September 12th, 2017 Easley, SC

Easy to work with. Fast reaction in all areas. Best rates.

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ken hedrick
August 14th, 2017 Palm Springs, CA

Disorganized loan application process. No one has authority to do anything and decision making seems to come out of a black box. Had to submit the same data several times. Do not recommend.