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Get Prequalified for Refinancing

Choosing a refinance loan

Getting prequalified to refinance

A mortgage prequalification letter will help you start the refinance process.

A mortgage prequalification letter is an estimate that tells you the amount you’ll be able to afford to borrow on your refinance loan. You can estimate your monthly payments, learn how much you can save by refinancing, or find out whether you can borrow the extra cash you need to pay for college tuition or other major expenses.

What does it mean to be prequalified for a mortgage loan?

Getting prequalified tells you the size of the loan you're likely to be approved for. You will know what to expect before deciding to go through the application or pre-approval process.

How to get prequalified for a mortgage.

To get prequalified, a Chase Home Lending Advisor will check your credit and ask you for some basic financial information about your income, debt, savings and assets. Your Home Lending Advisor will then send you a prequalification letter summarizing your loan term, estimated interest rate and estimated monthly payments.

The mortgage prequalification letter is not a loan agreement. It’s simply an estimate of how much you can afford to borrow based on the information you provided.

The difference between prequalification and pre-approval.

While prequalification establishes if you may qualify for the desired loan amount, pre-approval ensures that you get the loan. Where prequalification is determined based on reported income, credit, debt and assets, to be pre-approved you must provide documentation of your income, debt and assets.

Ready to refinance your mortgage?

Call a Chase Home Lending Advisor

Now available Sundays