Getting Started


Finding a Home



Financing a Home



Closing on a Home


Prequalify for a mortgage

A mortgage prequalification will give you an idea of how much you can borrow for your new home. You can also go a step further and get Conditionally Approved so you can be relatively confident that your loan will be processed quickly and easily. Understand the differences between Prequalification and Conditional Approval here and get started today.

 

Choose a lender

Next to finding the right home, finding the right mortgage is the most important decision you’ll make in the home buying process. To make sure you’re getting the best deal, talk with multiple lenders and compare mortgage rates and their loan options.

 

Contact several lenders before making a decision. That way, you can make sure you’ve done your due diligence and are getting the best loan. See estimated Chase mortgage rates or calculate your monthly payment and closing costs using our mortgage calculator.

 

Prequalification and Conditional Approval

Before you begin looking at homes, you'll want to learn about the importance of prequalification and conditional approval and the differences between them. Some lenders may refer to a conditional approval as a preapproval. Your real estate agent will often request that you get prequalified or conditionally approved for a mortgage before viewing houses, so they can help you find a home that meets your actual budget. Keep in mind that if you're working with a seller's real estate agent, you may want to avoid disclosing your maximum budget, as it could potentially work against you in the negotiation process.

Mortgage prequalification

A mortgage prequalification is an estimate of how much a lender would be willing to loan you. Once you have given an estimate of your income and assets, the lender will provide you with a written statement showing your maximum loan amount based on your debt-to-income ratio. If you are prequalifying online with Chase, you will be asked to provide your social security number at the end of the application. Prequalification is only a preliminary decision, and not a full approval. Prequalification can help you figure out if buying a home is a viable option and what your price range might be.

 

Prequalify for a mortgage

A mortgage prequalification will help you find the home that fits your budget. You can choose to prequalify online, call us at 1-800-873-6577 or contact a local Chase Mortgage Banker. Find out how much you can save with our Mortgage Cash Back calculator.

 

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