SmartRatesUSA
Mortgage Lender Review🏦 Best for Chase Customers

Chase Mortgage

Bank

30-yr fixed APR around 6.45%. Existing Chase customers and buyers in Homebuyer Grant-eligible areas.

At a Glance

30-Yr Fixed APR

6.45%

15-Yr Fixed APR

5.78%

Min. Credit Score

620

Min. Down Payment

3%

Lender Type

Bank

Avg. Closing Time

30–45 days

Detailed comparisons

Chase Mortgage vs. Rocket Mortgage

See how Chase's rate and Homebuyer Grant stack up against Rocket's speed and lower credit floor.

Key Features

Chase Homebuyer Grant offers up to $7,500 toward closing costs or rate reduction in eligible areas

Relationship discount available for existing Chase checking customers

Nationwide branch network for in-person guidance

Pros & Cons

Pros

  • Homebuyer grant program can meaningfully offset closing costs
  • Relationship pricing for existing Chase customers
  • Full-service national bank with strong servicing

Tradeoffs

  • Best pricing generally requires an existing Chase relationship
  • Slower closings than online-only lenders

Best for: Existing Chase customers and buyers in Homebuyer Grant-eligible areas

Frequently Asked Questions

What credit score do I need for a mortgage with Chase?

Chase generally works with borrowers around 620+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does Chase offer?

Chase offers Conventional, FHA, VA, Jumbo, Refinance. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does Chase charge lender fees?

Chase charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

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