If you’re comparing lenders to finance your next home purchase, Chase Mortgage reviews often appear near the top of the list, and for good reason. As one of the largest and most well-known mortgage lenders in the United States, Chase offers a wide selection of mortgage loan products, competitive features, and the stability of a big-name bank.
Whether you’re a first-time buyer, refinancing, or exploring home equity options, Chase may be a strong contender. The company appears in our overview of the best mortgage lending providers.
Below, we cover Chase’s strengths and weaknesses, how it compares to other lenders, and whether it’s a good fit for your home loan goals.
Related Article: Best Home Equity Loans and HELOCs
Pros
Wide variety of loan types, including FHA, VA, and jumbo loans
Competitive relationship discounts for existing customers
Helpful tools and educational resources for first-time buyers
Large branch network for in-person support
Online prequalification available
Cons
Higher-than-average closing costs in some markets
Slower application process compared to fully digital lenders
No 100% online mortgage experience
Limited rate transparency until after application
Features and Benefits
Chase Mortgage, officially known as Chase Home Lending, is backed by JPMorgan Chase. It’s one of the largest financial institutions in the world. The company offers a wide range of home loan products, including fixed and adjustable-rate mortgages, FHA loans, and options for home equity lines and cash-out refinances. Chase customers benefit from strong customer support and a dedicated mortgage team in branches nationwide.
Chase offers a unique Closing Guarantee for its mortgage products. The program is essentially a promise to close on time, or the company could pay you $5,000, and it can provide peace of mind in a competitive real estate market. Chase offers additional incentives for existing customers and strong educational content for first-time homebuyers.
- Loan options for new purchases, refinancing, and home equity
- Competitive mortgage rates with relationship pricing for account holders
- FHA loans and other government-backed options
- Cash-out refinance options
- Prequalification tools
- Homebuyer education resources
- Fixed-rate and adjustable-rate options
- Available in all 50 states
- In-branch and online application options
- Closing Guarantee to help ensure on-time closings
Chase Mortgage Reviews: Editorial Rating
Trusted Company Reviews Rating Score for Chase Mortgage: 8.85
We rate Chase highly because of its broad loan product selection, national availability, and valuable resources for first-time homebuyers. Its mix of traditional in-branch service and online tools makes it a flexible option for many borrowers. While it’s not the fastest or most transparent option, Chase still performs well overall, especially for those seeking personalized support and security from a reputable provider.
Borrowers generally appreciate Chase’s variety of loan types, including its low-down-payment options, home equity borrowing, and specialized programs. The downside is that closing costs and timelines can vary widely depending on your location and individual financial situation.
| Loan Types Available | Minimum Down Payment | Minimum Credit Score |
| Conventional, FHA, VA, Jumbo, HELOC | 3% (for qualifying programs) | 620 (FHA may allow lower) |
Why We Like It
Chase stands out for its comprehensive offerings and stability. The company offers both in-person service and solid online tools, making it a good option for a wide demographic who are comfortable with a mix of traditional and digital convenience. Chase’s Closing Guarantee, relationship pricing discounts for account holders, and wide selection of loan products make it especially attractive for qualified buyers.
- Wide range of loan products
- Strong brand reputation and financial strenth
- Educational support for new buyers
- Program to help you close on time
What We Don’t Like
Despite its many strengths, Chase isn’t always the most cost-effective or simplest choice. Borrowers have reported mixed experiences with communication and processing time, especially compared to 100% online lenders. Additionally, rate transparency is limited unless you create an account or apply directly.
- Inconsistent timelines for application processing
- Less transparent rate information up front
- Higher-than-average closing costs in some cases
About Chase Mortgage
Chase Mortgage is the home lending division of JPMorgan Chase, one of the oldest and most respected names in global finance. With over 5,000 branches nationwide and a long history in consumer banking, Chase has decades of experience in mortgage lending.
As a full-service lender, Chase offers not just mortgage loans, but also banking, investment, and credit services, which provide opportunities for bundled discounts and even more convenience options.
Chase Mortgage Terms and Conditions
When working with Chase, borrowers should expect standard mortgage loan requirements, including income verification, credit score checks, and a home appraisal. Terms can vary depending on loan type, down payment size, and borrower qualifications. Chase may offer a fixed rate or adjustable-rate mortgage with terms ranging from 15 to 30 years.
Additional fees include application and origination charges, which are disclosed during the application process. Closing costs typically range from 2% to 5% of the home’s purchase price.
Chase Mortgage Loan Requirements
To qualify for a mortgage through Chase, borrowers must meet standard credit and income thresholds. While minimums vary by loan type, most products follow these typical guidelines:
- Credit score of 620 or higher (580 for some FHA loans)
- Stable income and employment history
- Debt-to-income ratio below 43% in most cases
- Down payment of 3% or more (depending on program)
How to Apply for a Mortgage with Chase Mortgage
Borrowers can apply for a home loan through Chase either online or at a local branch. The process begins with a prequalification or full application, depending on your readiness. Chase offers step-by-step online tools but also encourages working with an in-house loan officer, especially for complex or first-time applications.
Related Article: Best (and cheapest) Home Insurance Providers
Chase Mortgage Customer Reviews
Chase Mortgage receives mixed reviews from customers. Many appreciate the availability of in-person support and tools like the Closing Guarantee. However, others note delays in underwriting and communication during busy market cycles.
The lender holds an A- rating with the Better Business Bureau and a lower-than-average customer score. Trustpilot reviews are also mixed, but generally acknowledge the strength of customer service once connected with a representative.
Who Is Chase Mortgage Best For?
Chase is ideal for borrowers who prefer working with a traditional bank or need in-person guidance. It’s a strong choice for first-time buyers, those who already have Chase credit or banking accounts, or anyone who values a mix of online convenience coupled with plenty of live, in-person service. Borrowers looking for the lowest rates or quickest closings may prefer a fully digital lender.
Chase vs. Bank of America Mortgage
Chase and Bank of America are both household names in the mortgage industry, offering similar loan products and nationwide service. Bank of America tends to offer more transparency with rates and fees up front and has slightly better tools for digital closings.
However, Chase’s Closing Guarantee, strong in-person support network, and other benefits give it an advantage over BOA.
|
Feature |
Chase Mortgage | Bank of America Mortgage |
| Online Presence/Tools | Moderate | Strong |
| Rate Transparency | Limited | Moderate |
| In-Person Support | Exensive | Moderate |
Chase Mortgage Alternatives
Although Chase offers well-rounded home loan options, it might not be right for everyone. Borrowers who want a more digital experience, lower average rates, or faster processing may want to consider these other options that also appear in our best mortgage lender overview.
- Rocket Mortgage: Best for fast digital approval and streamlined experience
- Credible: Best for comparing quotes across multiple lenders
- LendingTree: Best for access to hundreds of lenders and competitive bids
- Veterans United: Best for VA loan borrowers and military families
Frequently Asked Questions
Do I need a home appraisal to get a home loan?
How long does it take to get a home loan?
Source
Logo image source: chase.com
Deane Biermeier is a certified financial educator through the University of Minnesota and a respected authority in financial research, writing, and editing, renowned for his in-depth analyses and expert advice. With a distinguished career that previously spanned home improvement, real estate, and finance topics, Deane's role at Trusted Company Reviews focuses exclusively on finance.
Deane has contributed to leading publications such as Forbes Home, US News and World Report, Newsweek Vault, and others.
Since joining TrustedCompanyReviews.com in 2023, he has solidified his reputation as a crucial resource for clear, factual financial guidance.
Deane Biermeier
Last Updated: July 26, 2025
Editorial Reviews
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