Chase · Bank
Chase
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
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 Relationship Pricing Program; 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
Relationship Pricing Program
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
View full lender requirements
- Other conditions
- Existing balance requirements: Under the Relationship Pricing Program, participating customers with existing eligible Chase and J.P. Morgan deposit accounts and/or J.P. Morgan Wealth Management accounts can save off the standard mortgage rate. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Talk with a Chase Home Lending Advisor or visit chase.com/relationshipoffers for the rate discounts currently available. Any existing funds and/or investments funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible balance amount. Chase employees are not eligible for the existing balance rate discount. Talk with a Home Lending Advisor for more information. New money requirements: Additional rate discounts are available under the Relationship Pricing Program, based on the new deposit and/or investment assets transferred to Chase and/or J.P. Morgan Wealth Management accounts and the mortgage loan amount. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Existing deposit and/or investment assets held with JPMorgan Chase & Co. and any of its affiliates are not eligible. Funds previously held at JPMorgan Chase & Co. or any of its affiliates may also not be eligible. Any existing funds or new deposit and/or investment funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible transfer amount (you will not be penalized for changes in market value). If the loan amount changes prior to closing, the rate discount will be adjusted accordingly. Funds that settle in a customer’s deposit and/or investment accounts 14 calendar days or more prior to completion of a mortgage application are not eligible for the new money discount. New money funds cannot be used for more than one loan. Combined discount: You can qualify for both the existing balance discount and the new money discount. However, new money deposit and/or investment funds cannot be applied to both discounts. The rate discount for the existing balance or the employee mortgage rate discount, combined with the net new money discount is capped at a max percentage; please talk with a Home Lending Advisor for the current cap. Loan Closing: If the funds needed to qualify for the existing balance discount and/or the new money discount are not in the customer’s account at least 10 calendar days prior to the scheduled closing date, the customer can choose to close the loan without the rate discount or extend the closing date, for which a fee may be charged. Customer may qualify for a post-close rate discount if funds are received and settled within 30 days of closing. Post-close rate discounts may not be available to all customers and may be lower than discounts available prior to closing. The customer must sign a rate change modification to receive the post-close discount and will not receive a refund of any interest paid prior to a rate change taking effect. Account Eligibility: Qualifying personal and business banking and/or investment balances will be used in determining the appropriate mortgage rate discount. For qualifying business banking balances, customer must be a direct owner of the business (not through another entity, organization, or trust) and direct ownership must be greater than or equal to 49%. Deferred compensation, accounts or assets subject to ERISA, student, custodial, 529 college savings, donor-advised funds, select personal retirement accounts, business retirement accounts, non-vested RSU accounts, IOLTA (Interest on Lawyers’ Trust Accounts), other attorney trust accounts, client fund accounts, J.P. Morgan Commercial Bank accounts, and Chase Analysis Checking Accounts as examples, do not qualify. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Home Lending Advisor. Chase reserves the right to amend, terminate or withdraw the rate discount at any time without prior notice. Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit and home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC. J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
Questions to confirm with the lender (16)
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
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 25, 2026 · Official requirements source
Rates and costs
Relationship Pricing Program
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Relationship Pricing Program
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
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.