Chase Mortgage Review 2025
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- 50+ mortgage lenders reviewed and rated by our team of experts.
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Our Take
4.5
Chase mortgage has an above-average reputation for consumer satisfaction, and offers a number of programs that can make homebuying more affordable and accessible. While Chase originates a significant portion of jumbo loans, conventional loans are the lender’s bread and butter. Most likely to appeal to borrowers who prioritize customer service.
Pros
- Offers a wide range of loan types, including options with low down payment requirements.
- Home buyer grants up to $5,000 may apply for qualified borrowers.
- Receives above-average ratings for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Borrowers must create an account or speak with a home loan expert before completing an online application.
- Origination fees are on the higher side, according to the latest federal data.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | 580 | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: Chase mortgage options
Chase is among the largest banks in the U.S. and is based in New York City. Loans are available nationwide.
In addition to conventional loans and government-backed mortgages, Chase offers proprietary loans with low down payment requirements.
🏠 Common mortgages • Conventional loans (fixed- and adjustable-rate) • Refinancing (rate-and-term, government, energy-efficient mortgages) • Jumbo loans • FHA loans •VA loans
🔑 Specialty loans • DreaMaker, a proprietary loan with a 3% down payment, flexible credit requirements and income limits. • Standard Agency, a proprietary loan with a 3% down payment and no income limits. • Interest-only loans • Co-op loans • Nonwarrantable condo loans • Loans for second/vacation homes • Mortgages for self-employed borrowers
💵 Home equity • HELOC • Cash-out refinance
» MORE: How to choose a mortgage lender
Chase special offers and discounts
Chase offers a number of incentives aimed at making homebuying more affordable.
Chase Homebuyer Grant: $2,500 or $5,000 for borrowers in eligible locations with a VA, FHA, DreaMaker or Standard Agency mortgage. Must first be used to lower the interest rate, and then can be applied to other costs (including fees and the down payment).
A guarantee of $5,000 if your eligible loan doesn’t close on time because of lender delays (21 days for a conventional loan, 30 days for a VA or FHA loan).
A $5,000 reward for buying or selling with a Chase Agent Express agent.
A rate discount ranging from 0.5% to 1% for qualified existing Chase customers.
What does Chase specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages Chase handles most often.
Conventional purchase loans are the most common, but Chase originates a good amount of jumbo loans too.
How NerdWallet scores Chase mortgages
Each year, NerdWallet writers and editors dig into the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.
Chase has a NerdWallet home loans rating of 4.5 stars overall. Here’s a breakdown of this year’s score.
Category | Star rating |
|---|---|
Average mortgage rates and fees | |
Mortgage rate transparency | |
Variety of loan types | |
Customer experience | |
Overall star rating |
Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.
Average mortgage rates and fees (30%)
We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.
Mortgage rate transparency (25%)
We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.
Variety of loan types (25%)
There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.
Customer experience (20%)
How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.
Chase’s average mortgage rates and fees score is based on data from its parent company, JPMorgan Chase.
Chase bonus points and penalties
Chase earned bonus points for offering closing cost assistance.
Chase reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and Zillow, and we contacted the lender’s customer support.
2024 J.D. Power U.S. Mortgage Origination Satisfaction Study
745
out of 1,000
Above-average satisfaction score: average = 727.
Mortgage origination covers the application through closing.
2025 J.D. Power U.S. Mortgage Servicing Satisfaction Study
650
out of 1,000
Above-average satisfaction score: average = 596.
A mortgage servicer handles loan payments.
Zillow Mortgage Lender Customer Rating
4.95
out of 5
Excellent rating as of the date of publication. Rating reflects more than 8,800 customer reviews.
Chase mortgage customer service options
Here’s how you can get in touch with Chase.
Ways to reach Chase
Physical branches . . . . . . ✅ Phone support . . . . . . . . . ✅ Mobile app . . . . . . . . . . . . ✅ Online chat (bot) . . . . . . . 🚫 Online chat (human) . . . . 🚫
🤓 Our Nerds say... have your loan number on hand
Taylor Getler, lead writer, mortgages
Chase borrowers can receive customer service over the phone or in-person at a branch location. When we called the number, we navigated a phone tree and were prompted to enter a loan number. If you have a problem, you’ll want to have your account information on hand before reaching out.
» MORE: How to apply for a mortgage
Alternatives to a Chase mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
One of Chase’s strongest features is its stellar reputation. If you’re looking for another large lender that’s highly ranked for customer experience, you may want to consider Rocket Mortgage.
If you’re curious about Chase’s home buyer grants, Bank of America is another large national lender also offering two grant programs: one for $7,500, and another for $10,000.
» MORE: Best mortgage lenders
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
