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Chase Mortgage

Chase Mortgage

 3.1/5 (2833 ratings)
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  • 1 stars
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About Chase Mortgage

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Chase offers home lending services, including mortgages, refinancing and home equity loans. It provides online prequalification and home buying resources. The company gives consumers access to mortgage specialists both online and at branches.

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    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • Work with local buying specialists
    • Available nationwide
    • Prequalify online

    Cons

    • May be subject to extra fees

    Bottom Line

    Chase has multiple types of mortgages. Use its online mortgage calculator to find out how much you qualify for and get guidance from a Chase home lending advisor.

    Top Chase Mortgage Reviews

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    • 3,525,288 reviews on ConsumerAffairs are verified.
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    Rated with 5 stars
    Verified

    We tried Quicken Loans, they just ripped us off, no customer service. Chase has worked with us and made refinancing easy and painless. We met our closing agent at a restaurant nea...

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    Rated with 5 stars
    Verified

    I refinanced with Chase Mortgage and had no issues. They came to my house to go over the paperwork saving me a trip to the bank. Everything was explained efficiently. When there i...

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    How does Chase Mortgage work?

    To get started with Chase’s mortgage program, visit its website and fill out the company’s prequalification application. During this process, you find out how much home you can afford and get a rough idea of your monthly mortgage payment.

    Chase offers different types of mortgages, some of which have qualifying factors. These mortgages include:

    • Jumbo loans
    • VA loans
    • FHA loans
    • ARM loans

    Once you’re prequalified, Chase’s home lending advisors try to find the right mortgage rates and payment terms for you.

    Chase Mortgage rates and fees

    Chase’s mortgage rates and fees vary based on your financial qualifications and overall creditworthiness. Chase’s website has an interactive mortgage calculator that lets you input your loan amount, credit score, property type and other information to receive a rough estimate of your average monthly mortgage amount, closing costs, interest rates and annual percentage rate (APR).

    Reach out to one of Chase’s home lending experts or fill out the prequalification application online to get a more accurate quote for mortgage rates and fees.

    Chase Mortgage FAQ

    How do I pay my Chase mortgage?
    You can set up automatic mortgage payments with Chase so that your payments are deducted monthly from your account. You can also pay by check or money order, either by phone or in person at a Chase branch.
    Does Chase do home mortgages?
    Yes, Chase does home mortgages, including jumbo loans, VA loans, FHA loans and ARM loans.
    How long does Chase take to close a mortgage?
    Chase’s website states that it closes most mortgages around 21 days after you submit your mortgage application.
    Can I pay my Chase mortgage online?
    Yes, Chase lets you set up automatic mortgage payments or one-time payment options on its website. Log into your Chase account to set up automatic payments.

    Is Chase a good mortgage lender?

    Chase’s mortgage loans are easy to apply for and available nationwide. With multiple mortgage types and an average closing time of 21 days, Chase Mortgage is a great option for consumers who want a flexible mortgage company with a quick turnaround.

    Chase Mortgage Reviews

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    How do I know I can trust these reviews about Chase Mortgage?
    How do I know I can trust these reviews about Chase?
    • 3,525,288 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 10, 2022

    We have had Chase as our mortgage company since 1993. That little fact plus ZERO missed or late mortgage payments didn't stop them from keeping our $500 good faith funds when attempting to buy a new home. The home that we were trying to buy failed inspection with severe structural damage. The sill plate (the structure in your home that your floor joists sit on) was completely deteriorated. The inspector reached his hand into it and pulled out crumbling wood. There was other damage just as bad, but apparently Chase thought we should proceed with this purchase as they have flat out refused to refund our money! Chase policy state that if a home fails inspection the good faith funds are returned. Just words in the air. The funds should be called GOOF FAITH! THEY sucker us into believing we can actually trust them. I am out $500 for ZERO services rendered. FOREWARNED IS FOREARMED -- use your local bank. I WILL!!

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    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 23, 2021

    I was a mortgage customer with Chase for almost 20 years, so when we were looking to sell our home and finance a new one, of course I thought that the easiest way would be to go through the company we had dealt with for so long; good idea right? WRONG! I will NEVER again do business with Chase or ANYONE affiliated with them. At the time I was seeking a new home loan with them, my business (self employed) had been operating just under 2 years. I was very clear from the start about our financials and situation but their representative who should be the first gate keeper warning of possible issues, ignored the clear red flag.

    These scam artists shoved me through their system, stringing me on for weeks knowing full well that I was not going to qualify since self employed companies require 2 years of tax returns in order to qualify as a source of income per FHA loan requirements. They were more interested in jacking up their "number of people served" rate, than actually doing right by a long standing customer such as myself. It was only AFTER we had an offer in on a home and had our previous one sold (and were renting it back short term) that they pulled the rug out from under us. Luckily I was able to get a short term loan (albeit at insane interest rates) to buy the house we wanted and later refinanced once we had 2 years on the books, with Rocket Mortgage, an actual good company as opposed to these worthless snakes, but this experience took years off my life due to stress.

    What else should I have expected though from the company originated by JP Morgan, one of the shadiest American oligarchs in history who was largely responsible for the great depression and likely committed insurance fraud over the sinking of his ship the Titanic... but I digress. STAY AWAY from Chase at all costs, they will rob you, cheat you, and take advantage of you for their ends and will always lie to you to benefit their goals.

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      Rated with 1 star
      Verified Reviewer
      Original review: Nov. 28, 2021

      Have had a mortgage with Chase for over 15 years and it has been paid on time or ahead of time for that entire time. Recently I notified the local bank office that the property taxes would be paid a little late and explained the reason. The county tax accessor had already been approached and an arrangement had been determined. The county notified Chase by fax as requested by the local branch. Shortly thereafter the taxes were paid as agreed with the county. Chase filed an escrow a month later claiming they had paid the tax (they hadn't) and the county said, if they had, it would have been refused. Then they filed a second escrow for insurance from two years before that had been paid and closed.

      They followed this mess with a series of mortgage statements (2-3 a month) with entirely different due amounts. In good faith I worked with a nearby branch but they did little, over a three month period. The escrows were dropped (supposedly at my request) and then they turned the account over to a collection agency. Mind you I am 77 years old, retired and a vet and probably will end up losing what is my home and retirement income to a bank that doesn't care or attempt to try to help in a way one would expect to protect the client. Thus far have been unable to get any help and have had my credit driven down to the low 500s thanks to Chase and the incompetency of staff at branches.

      2 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 23, 2021

      Chase claims that customer satisfaction is 100% guaranteed. After working with chase about refinancing my home, I discovered that chase is 100% unsatisfaction guaranteed. The level of unprofessionalism on the part of the loan officer is unbelievable. I have complained to his supervisor and requested working with somebody else several times via e-mail, but, my complaints were totally ignored. After the loan was approved, I decided to walk away as I was very frustrated with the unethical behavior and practices of the loan officer. I do not recommend chase.

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 10, 2021

      My realtor warned me, but I went with Chase anyway...Short story is, Chase has no respect for their customer's money, time or sanity. The long story is: Lending advisors were insanely hard to get on the phone. I had to run around basically begging people to tell me what was going on. They even had 45 days to close, not the normal 30. Finally, in one of our last calls, I was told that we'd DEFINITELY be ready to close by (x) date. The close was then scheduled on an email thread where Chase was cc'd and all parties were ready to go. At 4pm the day before our closing, I find out that Chase never actually cleared us to close and that the lending advisor was no longer with the company (!!??). No one from Chase called to inform me, I had to find out by calling his voicemail and getting a redirect to someone else. This was only made worse by the fact that I had taken PTO and booked a rental car for the 5 hour drive to the close.

      After the second close was scheduled, I was getting calls and emails on the drive up that Chase had not gotten some necessary title documents and STILL might not close! We didn't even know if would happen upon walking into the office that morning. I asked for some kind of credit because of the botched closing and the disappearing lending advisor fiasco, but it didn't fall under their "late closing" credit promotion because we had a few more days per the contract. Again, I only found this out after WEEKS of calling, emailing and following up. I ended up being out roughly 1000 dollars on prorated rent/bills, partner's lost wages and PTO I couldn't cancel. I had to cancel my movers and move everything myself. Total disrespect for my time. I ended up wondering if they just personally didn't like me by the end, but most reviews make it sound like that's their default attitude. Also, notice how all of the 5 star reviews seem like they were written by the same person?

      9 people found this review helpful
      Rated with 2 stars
      Verified Reviewer
      Original review: Sept. 4, 2021

      I am a first time home buyer. While I'm not uneducated about the process, I'm definitely no expert. The few times I spoke with my lending agent she was knowledgeable and pleasant, but I mean the FEW times. I have spoken with her on the phone a total of three times, including the initial call after I submitted my application. My calls, texts and emails most often went days without a response. I actually called her manager, who was very helpful, but I would have thought her responsiveness would have improved after this. It did not.

      When my closing disclosure came and had amounts on it much higher than expected, it was my real estate agent who offered to review it and discuss with me, not the bank. Chase has definitely become the "Walmart of banks". While it would be nice to have all of my payments and accounts through the same bank, I will be moving my accounts to a different bank as soon as my loan is closed. If the opportunity to refinance through a different bank comes, I will also be doing that. I most definitely do not recommend Chase mortgage, especially if you are a first time buyer.

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      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 3, 2021

      We started our refi on May 17 2021. This is Sept 2021 and our refi still has not closed. We were told it would take approximately 45 days. Wrong!! We have had one problem after another. We were told our appraisal would be waived. Wrong! Our home is in a Trust and because of something in our Trust the appraisal waiver would not apply but were not told what it was. We out about this a month after our Trust info was given. Our credit scores were excellent 800 range. Our home is worth at least $500,00.00 and we have been with Chase for 9 years with no overdue or late payment and are financing only 145,000.00.

      It is very hard to get answers promptly or even any answers at all. They claim their computers are down or have a huge demand of clients. We have promptly given all info when requested. I sent info early on for verification of my employment and just last week they told us they could not get thru to my employer. We have an application with another lender and they will not need an appraisal and are going with them. We will not do business with Chase ever again.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 7, 2021

      I called back in May to perform a mortgage recast. The person was very nice and made me feel that all my needs were met and made the process seem super easy. The individual quoted me with my new monthly mortgage amount, when my new autopay amount would take effect, and reassured me that the terms of the loan (interest, years) would not be affected. The individual instructed me to use the online platform to make the payment toward the loan. They reassured me making a $30,000 payment toward the principal would work fine on the platform. I followed up right after the phone call with attempting to make a $30k payment toward the principal using the Chase.com.

      I found out that the max daily limit was $25k, which I assumed was not a big deal and logged on the next business day to make the $5k. Then I waited 1.5 months to see when the first auto pay would be the new amount quoted after fulfilling my requirements of giving them $30k. To my surprise, the auto pay amount was the same as before. I immediately called customer service 7/6/21 to find out what happened to my money and why my payment amount wasn't changed. I was told that a form needed to be sent and signed which was not what I was originally told. Now I am guessing I will have to wait another 1.5 months for the originally agreed upon lowered payment amount to kick in. Even though I fulfilled my end of the agreement by giving them $30k. This is extremely upsetting and unacceptable, and I don't know how a mistake with that kind of money involved would be allowed to happen. Fix this problem for future consumers.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 6, 2021

      Chase managed our file extremely poorly, making many mistakes and dragging their feet for a month. We ended up closing late. Aside from the lack of customer service and false/misleading information that we received, Chase was impossible to get a hold of for a week before underwriting began and a week during underwriting. Our client care specialist was MIA during those two weeks. Despite all this, Chase never apologized for closing late and refused to honor the Closing Guarantee, which is their own program that promises a refund of $2500 if they cause customers to close late. If you are not going to take responsibility for the late closing, why have a closing guarantee program in the first place? Answer: Because Chase lies just to get customers through the door and then treats them like trash afterwards.

      19 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: May 23, 2021

      Chase approached me by mail to refi with them.. The rate change was not super interesting.. but it was no closing costs.. I don’t have a whole lot left.. The biggest reason I went through with it was to have my mortgage payments to be super easy within my banking app.. making bill payments more streamlined. I liked my last company.. but about a half a point and more convenient access made me switch..

      The signup process was agonizingly slow.. They have an online communication thing on the website so you can ask questions and check in.. but nobody monitors it.. so you have to email angrygrams and call to get your answers. I think start-to-close about took about 60 days. More than my previous two mortgages combined. Then.. just after my second payment.. about 35 or so days later.. they sell it.. Reason number 1 was convenience of ‘all within Chase’. I won’t ‘loan’ with Chase again…. I hope the 'servicer' Freddie Mac hires doesn’t suck..

      8 people found this review helpful

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        Chase Mortgage Company Information

        Company Name:
        Chase
        Year Founded:
        1799
        Address:
        270 Park Ave
        City:
        New York
        State/Province:
        NY
        Postal Code:
        10017
        Country:
        United States
        Website:
        www.chase.com