Video transcript: Closer to Home

On screen:

Four different couples hold large dry-erase cards (with blue Chase octagon symbols on the backs of each).

Ryan:

Most couples assume they know everything about the person they're buying a home with. But do they?

On screen:

A man talks to his partner.

Man:

Oh, curveball.

On screen:

A man with salt-and-pepper hair, green eyes, and a stylish jacket, Ryan Serhant, speaks to the viewer. He stands in front of a blue door decorated with the Chase octagon symbol. A path of eight white sidewalk steps (with low-level pathway lights) lead to this door.

Ryan:

Hi, I'm Ryan Serhant. And today, I'm working with Chase to challenge first-time home buyers to open up to one another about their finances. Now as a home lender, Chase knows that couples often avoid the money talk, which is a crucial part of the home buying journey. So we're gonna help couple take the steps that they need to get closer to home. Now let's go meet our couples.

On screen:

Backstage, the couples speak to the viewer. The first couple is a man with close-cropped hair, Richard, and the woman with dark wavy hair, Miranda.

On screen:

Miranda & Rnchard, Together 3 years.

Richard:

Hi I'm Richard.

Miranda:

And I'm Miranda.

Richard:

We've been together for three years.

Miranda:

We are not currently married, but I'm waiting.

[Miranda chuckles.]

On screen:

The second couple is woman with long black hair, Amy, and the man who talked to his partner earlier, a man with brown hair and a beard, Will.

On screen:

Amy & Will, Together 3 years.

Will:

I'm the one who tends to oversee the finances.

On screen:

The third couple is a brown-haired man with stylish glasses, Michael, and a man with salt-and-pepper hair and a goatee, John.

On screen:

Michael & John, Together 7 years.

Michael:

I pay the bills, I make sure everything's paid on time.

On screen:

The fourth couple is a woman with long blonde hair, Jessica, and a brown-eyed man with a beard, Jareth.

On screen:

Jessica & Jareth, Together 4 years.

Jessica:

Jareth is a little more carefree.

Jareth:

Life's about having fun.

On screen:

Close-up of Richard and Miranda.

Richard

I watched a lot of real estate shows. I think we're ready.

On screen:

Close-up of Jareth and Jessica.

Jareth:

We got this.

Jessica:

We got this.

On screen:

The couples walk out to meet Ryan Serhant.

[Although the four different couples play the game separately, their responses are edited together to create a single narrative.]

Ryan:

Hello there!

Richard:

Hi.

Miranda:

Hi.

Ryan:

Welcome to Chase's Closer to Home challenge. So the object is to answer enough questions to get you to this door, which symbolizes your future home together.

On screen:

Richard and Miranda smile and look at the blue door.

Richard:

OK.

Ryan:

Are you ready?

On screen:

All of the couples hold up their dry-erase cards and markers.

John:

Ready.

Wil & Amy:

Yes!

Ryan:

Here we go. Would you prefer a bigger house or a shorter commute?

On screen:

A montage shows the different couples writing responses on their dry-erase cards.

Ryan:

Ready? Let's turn it around.

On screen:

Richard and Miranda turn around their cards. Both wrote "Bigger house." They high-five each other with a pop.

Miranda:

Yay!

Richard:

Yeah! That's right!

On screen:

Michael and John turn over their cards, showing that they both chose a shorter commute.

Michael:

Short commute.

Ryan:

Awesome. Congratulations, you can take your first step closer to home.

Miranda:

Yes!

[Miranda laughs.]

On screen:

The couples move onto the first step of the path.

Ryan:

Alright, you ready for the next one?

Amy & Will:

Yes!

Ryan:

et's say your lease is up before your house closed. Where would you stay?

On screen:

Did you know? Chase guarantees a quick closing or you get $2,500.

On screen:

Amy and Will hold their cards in silence.

Ryan:

Have you thought about that process?

Amy & Will:

No.

Miranda:

Oh no!

On screen:

Richard and Will turn over their cards, showing that they both chose to stay at Will's parents.

Richard:

Parent's house!

[A ding sound indicates their answers are recognized as matching.]

Miranda & Richard:

Yeah!

Ryan:

Alright, you guys can take one step closer to home.

Michael:

Nice!

On screen:

The couples move forward another step.

Ryan:

So now it's time to turn it up a notch. You ready?

Jessica & Jareth:

[softly] Yeah.

Ryan:

What price house can you guys comfortably afford?

Amy:

Ugh.

On screen:

The couples write down their responses.

On screen:

Did you know? Getting prequalified is the best way to know how much you can afford.

Ryan:

You ready? Let's turn it around.

On screen:

Michael wrote $200,000; John wrote $250,000. A buzz sound indicates their answers don't match. Then, Amy and Will show their cards: Amy wrote $750K; Will wrote $400K. Another buzz sound goes off.

Ryan:

Ooh!

Amy:

[laughter] No, that's half.

Ryan:

This is great.

Amy:

OK, we're learning.

Will:

We're learning.

On screen:

Ryan addresses Richard and Miranda.

Ryan:

Next question. How much does Richard have saved for a down payment?

[Miranda breaths heavily.]

Ryan:

It's a serious financial question.

Jareth:

Oh man.

Jessica:

It is.

On screen:

Did you know? Chase offers down options as low as 3%.

On screen:

Michael and John hold their cards.

Ryan:

You ready?

Michael & John:

I think so.

Michael:

We anywhere near?

On screen:

Michael wrote 25K; John wrote 60K. A buzz sound goes off.

John:

Not anywhere close.

On screen:

Richard and Miranda turn over their cards: Miranda wrote $30,000; Richard wrote $70,000. A buzz sound goes off.

Miranda:

Oh wow! He's hiding some money, Ryan!

On screen:

Jareth and Jessica show their cards: Jareth wrote "Whatever is in my bank account;"

Jessica wrote $0. A buzz sound goes off. Ryan reads Jareth's card out loud.

Ryan:

Whatever is in my bank account.

Jareth:

It's pretty good, though.

Jessica:

Ugh.

Jareth:

It's definitely more than that.

Ryan:

Even though you got it “wrong,” your answer was more right than you think, because being able to reveal your finances to each other is a huge step in getting closer to home. So I wanna bring you one step closer to home anyway.

On screen:

The couples take a step closer to the bright blue door.

Jareth:

Awesome.

Jessica:

Sweet.

Ryan:

Almost there, you're getting closer.

On screen:

Ryan reads the next question.

Ryan:

If you're in a bidding war, how far above your max budget would you be willing to go for a house you loved?

On screen:

Close-up of Will and Amy.

Will:

Good luck, honey.

Amy:

Uh yeah, good luck to you.

On screen:

Richard and Miranda turn over their cards: Miranda wrote $5,000; Richard wrote $10,000. A buzz sound goes off.

Miranda:

That was more conservative.

Richard:

Doh! No!

On screen:

Amy and Will show their cards: Amy wrote $3,000; Will wrote "Whatever she wrote."

Ryan:

That's a great answer.

[Amy laughs.]

Amy:

You're playing the game now.

Will:

Yeah.

On screen:

Jareth and Jessica show their cards: Jareth wrote zero dollars; Jessica wrote $10K.

Jessica:

Zero, he won't budge.

Jareth:

We'll always find another dream house. It's not a big deal.

[Jessica sighs.]

Jessica:

This is what I deal with.

On screen:

Medium shot of Ryan.

Ryan:

This is part of the process. And I know it's a little bit uncomfortable, but you're doing the right thing. So, let's take one step closer to home.

Jessica:

We're getting there, babe.

Amy:

This one feels good.

Richard:

We're right there.

Miranda:

Yay! We're almost there.

On screen:

A montage shows the couples moving forward. All of them are just a few steps away from the blue door. Richard smiles and reaches forward, trying to touch it.

Ryan:

OK, your close! Look back and look at how far you've travelled. All these questions, a little bit uncomfortable, but they're important.

On screen:

Close-up of Jessica and Jareth.

Jessica:

Yeah.

Ryan:

These are questions that most couples may never even ask each other. Are you ready for your final question?

On screen:

Close-up of Miranda and Richard.

Miranda:

Yes! I'm ready, I'm ready.

Richard:

Let's make it happen.

Ryan:

Do you feel that you're still ready to buy a house together?

[clarinet music]

Richard:

Yes.

Miranda:

Yay!

On screen:

A montage shows the couples writing their answers and then showing their cards. The cards all read "Yes!"

Ryan:

Oh! You got it right!

Yes with a heart through it.

Jessica:

Woo!

Ryan:

You get to take your final step!

On screen:

A montage shows the four couples happily reaching the blue door!

Ryan:

You just made it to home. How do you feel?

On screen:

Close-ups of each speaker as they share their feelings.

Amy:

It was a little vulnerable.

John:

We should talk more about money and start looking at buying.

Amy:

We need to do it.

Jessica:

Ready to buy a home.

Jareth:

Ready to go.

Ryan:

You guys are awesome.

Miranda:

We did it.

On screen:

Ryan addresses the viewer.

Ryan:

Thank you so much for joining me and my friends at Chase. Contact a Chase Home Lending Advisor to get you closer to your next home.

On screen:

Chase. Make More Of What's Yours (registered trademark). Equal Housing Lender.

On screen:

Legal disclosures appear.

On screen:

All home lending products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Home lending products offered by JPMorgan Chase Bank, N.A.