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Chase
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
At a glance
- Property use
- Primary residence
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- Fixed-rate, adjustable-rate, government and jumbo mortgage options are offered.
- International relocation applicants may use foreign or nontraditional credit documentation under the published program conditions.
- No-cost document translation is advertised for international relocation borrowers.
What to consider
- International relocation requires an SSN, legal residency or citizenship documentation, U.S. address and supporting employment and asset records.
- DreaMaker has income, primary-residence, property, purpose and conditional education restrictions.
- Advertised rates assume specific credit, loan amounts, equity, locations and locks; they are not eligibility thresholds or personal quotes.
AI-generated lender-level assessment based on published information. Not a verified assessment of DreaMaker mortgage; confirm program-specific conditions below.
Additional lender considerations
- DreaMaker and Standard Agency advertise 3% down options subject to program conditions.
- Availability and restrictions vary by state, product and loan amount.
Newcomer requirements
DreaMaker mortgage
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- 3%
- Occupancy
- Primary residence
View full lender requirements
- Minimum down payment
- 3%
- Occupancy
- Primary residence
- Other conditions
- Income limits apply and a homebuyer education course is required when all mortgage applicants who will occupy the residence are first time homebuyers.
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 25, 2026 · Official requirements source
Rates and costs
Lender-published advertised examples. Assumptions differ between rows — these are not personalized prices or a cheapest-mortgage ranking.
DreaMaker mortgage
| Loan option | Rate | APR | Points | Monthly P&I | Details |
|---|---|---|---|---|---|
| 30-year fixed Purchase Stale / expired | 6.75% | 7.4132% | Not disclosed | $1,621.50 USD |
Scroll horizontally to see all rate columns.
30-year fixed · Purchase
- Interest rate
- 6.75%
- APR
- 7.4132%
- Discount points
- Not confirmed
- Monthly P&I
- $1,621.50 USD
- Loan amount: $250,000.00 USD
Based on $250,000.00 USD loan · 3% down · 720 credit score · NJ.
P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.
Stale / expired — excluded from current-rate rankings
Rate effective: Not confirmed
Last successfully checked: 2026-10-26 00:12:02Z
Expiration: Not disclosed · Official rate source
The full effective timestamp/timezone is not confirmed.
See all assumptions
Original lender label: DreaMaker mortgage
Loan program: Not confirmed
- Loan amount
- $250,000.00 USD
- Property value
- Not confirmed
- Location
- NJ · Not confirmed · ZIP Not confirmed
- Lender credits
- Not confirmed
- Origination fees
- Not confirmed
- Down payment
- 3%
- LTV
- 97%
- Credit-score assumption
- 720
- Credit-score conditions
- Not confirmed
- DTI
- Not confirmed
- Occupancy
- Primary residence
- Property type
- single family
- Escrow account requirement
- Not confirmed
- Rate lock
- 45 days
- Relationship conditions
- Not confirmed
- Autopay conditions
- Not confirmed
- Cash out
- Not confirmed
- Additional assumptions
- A 3% down payment on a 30-year, fixed-rate loan of $250,000 with an interest rate of 6.75% / 7.4132% APR will have 360 monthly principal and interest payments of $1,621.50. Payments shown do not include taxes, homeowners insurance, or mortgage insurance (if applicable). Actual payments will be higher. This is assuming a New Jersey purchase transaction, 45-day lock, 97% LTV, 720 FICO, detached single family, owner-occupied, closest to zero discount points, rates change daily.
Published costs for this example
- Monthly principal and interest
- $1,621.50 USD
Still to confirm: monthly payment and ownership costs; upfront fees and credits; closing costs and cash to close. Missing values are not zero.
P&I excludes taxes, insurance and HOA dues. Charges may overlap; we do not add a partial fee list into a closing-cost total.
Full cost and loan-feature disclosures
Missing cost items
- Monthly mortgage insurance
- Monthly property taxes
- Monthly homeowners insurance
- Monthly HOA dues
- Discount points (dollars)
- Origination fee
- Lender credits
- Upfront mortgage insurance
- Other closing costs
- Published closing costs
- Down payment
- Published cash to close
Monthly payment breakdown
All disclosed components below are lender-published examples for this scenario. The total calculated by NewcomerFI is shown only when every component is known or explicitly not applicable.
| Principal and interest | $1,621.50 USD |
|---|---|
| Mortgage insurance | Not confirmed |
| Property taxes | Not confirmed |
| Homeowners insurance | Not confirmed |
| HOA dues | Not confirmed |
| Estimated total housing payment | Not confirmed Not confirmed |
Escrow is not added again. Unknown components are not treated as zero. Utilities, maintenance and other ownership costs are outside this breakdown. ARM amounts describe the initial example and can change.
Upfront costs
| Discount points | Not confirmed · Not confirmed |
|---|---|
| Origination fees | Not confirmed Points included: Not confirmed |
| Lender credits | Not confirmed |
| Upfront mortgage insurance | Not confirmed |
| Other disclosed closing costs | Not confirmed |
| Lender-published closing costs | Not confirmed |
| Down payment | Not confirmed |
| Lender-published cash to close | Not confirmed |
| Closing costs include | Not confirmed |
| Cash to close includes | Not confirmed |
Items may overlap: points can be included in origination charges or closing costs. We do not add this partial fee list into a closing-cost or cash-to-close estimate.
Loan features and restrictions
- Prepayment penalty
- Not confirmed
- Balloon payment
- Not confirmed
- Interest-only feature
- Not confirmed
- Interest-only period
- Not confirmed
- Loan term
- 360 months
- Amortization period
- Not confirmed
Three different numbers: the advertised example above is the lender's published pricing with its own assumptions; your estimate comes from the calculator using your amounts; your lender quote is only available from the lender after it reviews you.
How to apply
DreaMaker mortgage
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional, DreaMaker, FHA, VA and jumbo purchase/refinance options, with a separate international relocation program that supports foreign or nontraditional credit documentation. Program conditions and pricing assumptions differ.
Legal lender: JPMorgan Chase Bank, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 399798
More lender directory information
Parent: JPMorgan Chase & Co.. Former names: Not stated.
Direct application information ↗
Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Nov 3, 2026
- Official lender source · Last checked Oct 28, 2026
Rate history — separate scenarios
Each row keeps its own assumptions and source. Different scenarios are not a continuous rate trend. Missing dates are gaps, not interpolated prices.
| Last checked | Scenario | Rate / APR | Source and context |
|---|---|---|---|
| Oct 26, 2026 | DreaMaker mortgage · Purchase · dreamaker-primary | 6.75% / 7.4132% |
Official source
Assumptions for this observation30-year fixed · Purchase
Based on $250,000.00 USD loan · 3% down · 720 credit score · NJ. P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge. Stale / expired — excluded from current-rate rankings Rate effective: Not confirmed The full effective timestamp/timezone is not confirmed. See all assumptionsOriginal lender label: DreaMaker mortgage Loan program: Not confirmed
|
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.