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LAST UPDATED: November 22nd, 2022

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.  


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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141 Reviews

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Steve Ashby , AZ

I refinanced my house with Chase several years ago. Our original loan was with Chase and they did a great job with giving us a fee-less refi at a great rate. With rates so low I wanted to refi again and gave Chase the first opportunity...not such a great experience. Lots of fees and not a very good rate... They were responsive and good about getting me through the qualifying, but I'll have to refi with someone else this next time.

2 years ago

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Kati Biren

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

5 years ago


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Tagg Ogden, UT

I don’t feel like Chase gives you the best mortgage rate possible. I enjoy going through a personal mortgage lender who wants to really earn my business. Chase is rates were not as competitive.

2 years ago


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Ken Curtis

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.

4 years ago


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Kristiane R Durfey Pleasant Grove, UT

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.

4 years ago

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Joseph Little

Decent company. Not easy to set up automatic payments. Needs improvement on website ease of use.

3 years ago

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Gertrude Whelan Melbourne Beach, FL

at times frustrating to deal with, for example in process of updating insurance coverage info.

5 years ago

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They can be rude at times. Have called them a few times, was not happy with who i dealt with.

5 years ago


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Melody Rowe Fayetteville, NC

Good customer service but process can be exhausting

8 months ago

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Lots of hurdles to get things done and no looking at the big picture.

5 years ago