Please update your browser.Equitable homeownership
Advancing equitable and sustainable homeownership
Put our experience and resources to work for you.
Our commitment to you is a commitment to them
We believe homeownership builds stronger communities. As part of our Chase Racial Equity Commitment, we aim to reverse the housing inequalities experienced by those of Black, Hispanic and Latino heritage. With that goal, we’re providing $8 billion for new home purchases in underserved communities, plus another $4 billion for refinancing to help reduce mortgage payments and support affordable rental homes.
Our pledge to equity in homeownership
"We are intentional about partnering with real estate agents, nonprofit housing counselors, builders and community advocacy groups to help close the racial gap in homeownership. Together, we can go further and truly make a significant impact.”
Cerita Battles
Head of Community and Affordable Lending, Chase Bank
Six pillars. One goal.
We’ve identified six key strategic support points that will support our efforts to achieve equality in historically underserved communities across America.
People
Hiring, retaining and developing diverse sales leaders and loan officers
Presence
Serving customers when, where and how they want to be served
External Relationships
Building and deepening relationships with local real estate agents, builders, nonprofit housing counselors and correspondent lenders
Products and programs
Providing access to credit and meeting home financing needs through products, grants and benefits that help bring costs down
Marketing and Outreach
Creating awareness and dispelling myths about homeownership through marketing and outreach
Policy
Developing and advancing housing policy positions to address barriers to homeownership, increase access to housing and help close the racial wealth gap
We’re ready to help. Starting with you.
Homebuyers
See how our helpful tools and resources can help homebuyers understand the process and achieve the goal of homeownership.
Real estate professionals
We’ve developed specific programs combined with years of experience to help make homebuying even better.
Nonprofit housing counselors
Nonprofits can benefit from our team of experts who understand their unique needs managing cash flow, trusts, investments and more.
Homebuilders and developers
Use our experience to keep new construction on track for single family, condo and affordable rental housing.
Devoted to equality in our neighborhoods
We're dedicated to working with you to address the full spectrum of housing needs.
Addressing the income challenge
The median income of people in some communities is 80% or less than the median income of their surrounding areas. We want to help those low- to moderate-income earners become homeowners.
Major focus on all minority families
Equality for homeownership has been a challenge for virtually all members of minority neighborhoods. We're open for business to all customers and communities, regardless of race or income, from affordable to moderate to larger loan amounts.
Supporting our military and veterans
U.S. servicemembers, veterans and their families deserve our thanks — and our support. In addition to offering VA home loans, with a $2,000 purchase closing cost benefit, we provide a variety of mortgage options that may offer no down payment and no monthly mortgage insurance. We've also developed programs to help veterans explore their Servicemembers Civil Relief Act (SCRA) benefits, and assist them with education, employment and other services.
Provided by Chase: Grants, guarantees and more to help make homeownership possible
Chase Homebuyer Grant℠
Side 1 of 2In select areas across the country, our Chase Homebuyer Grant provides up to $7,500 that’s first applied to help lower interest rates for the homebuyer. Then it can be applied to Chase fees, other fees or the down payment.
Chase Homebuyer Advantage with Lock and Shop
Side 1 of 2Chase Homebuyer Advantage℠ with Lock and Shop makes it easier for your clients to get their next home, featuring a 90-day rate lock with no upfront fees, plus a one-time float-down option — all with a conditional letter of approval to show sellers they’re a serious buyer.
$5,000 Chase Closing Guarantee
Side 1 of 2We’re committed to helping make homebuying as easy as possible for your clients, giving them the confidence to plan their move. We promise an on-time closing for eligible products in as soon as three weeks or they'll get $5,000, if they qualify.
Relationship Pricing Program
Side 1 of 2Your clients may be eligible for a rate discount based on new and existing balances when buying a new home or refinancing. Their Chase Home Lending Advisor (HLA) can provide more information. Max rate discounts apply.
Homebuying options from affordable to jumbo loans
Chase DreaMaker℠ mortgage
3% down payment: Our DreaMaker mortgage has a 3% low down-payment option, flexible credit guidelines and income limits.
Federal Housing Administration (FHA) loans,
3.5% down payment: For customers needing other low down-payment options, these loans feature no income limits, flexible credit guidelines and possibly easier qualification requirements than conventional loans.
Standard Agency mortgages
3% down payment: These loans are good options for people with higher credit scores and who may not need a low down payment.
Veterans Affairs (VA) loans
Down payment as low as 0%: U.S. Department of Veterans Affairs (VA) loans offer flexible credit guidelines, low or no down-payment options and no monthly mortgage insurance requirement.
Jumbo mortgages
For larger loan amounts not covered by conforming loan limits, we offer homebuyers flexible loan terms including fixed-rate, adjustable-rate and interest-only for purchasing or refinancing a home.,,
More resources for you and your clients
If your customers or clients would like to explore more about homebuying, you can share these tools and resources with them.
Financial health
Tips, tools and more designed to improve financial knowledge.
Mortgage calculator
Estimate payments and fees based on different home prices and interest rates.
Learning center
Many helpful articles and videos to answer questions about homebuying and home loans.
Homebuyer Assistance Finder
Whether you've found the perfect home or you're just looking, reviewing available assistance programs can help you form a strategy for moving forward.