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Apply for Mortgage Refinancing

Closing the deal

Apply to refinance your mortgage

Applying for your refinance is easy. Our Home Lending Advisors are here to guide you through the entire process and answer any questions you may have. Here’s what you’ll need to know.

How to Start Your Application

  1. Talk to a Chase Home Lending Adviser.
    We can explain our different loan programs and discuss various options to help find exactly what works best for you.
  2. Lock in your loan rate.
    When you lock in your rate, you’re guaranteed to get that rate at closing, regardless of whether market rates are higher or lower at that time. You can decide to lock in anytime — from the day you choose your loan, up to five days before closing. Although if you wait, you run the risk that rates could go up.
  3. Complete your loan application.
    Once we have a complete application, your Chase Home Lending Advisor will provide an estimated closing date.

What happens when you apply

  1. We’ll ask your permission to review your credit history.
    Credit scores play an important role in your ability to get a loan and determine what interest rate you'd qualify for.
  2. We’ll review your current mortgage.
    What is the market value of your home? What is your loan-to-value ratio?
  3. We'll ask you to collect your financial information.
    We’ll need to know about your household income, your debts, personal loans and assets — like CDs, checking, savings, 401K or other retirement plans, and cash you have on hand.
  4. We’ll tell you how much you’re qualified to borrow.
    We’ll help you consider whether you’re better off with a fixed-rate loan or an adjustable-rate; and whether a 15-year or a 30-year loan term makes more sense for your budget. We’ll even help you estimate any upfront fees and closing costs you should expect.

Finalizing your mortgage refinancing

When you're ready to move forward with your loan application, just contact your Chase Home Lending Advisor and he or she will create a full Mortgage Application Package for you.

The package contains information to read, a few forms to sign — and some paperwork you’ll need to start gathering.

First, carefully read these key items in your Mortgage Application Package:

  • Loan estimate: The loan estimate shows an itemized list of loan fees and estimated settlement charges. It also contains important information about interest rate, APR, payments, loan terms and other important disclosures. You’ll receive a final statement of charges and loan information at closing, called a "closing disclosure". But for now, the loan estimate lets you know what to expect.
  • Conditional approval letter: You may receive a conditional approval letter, a summary of your loan’s details, such as interest rate, loan size and terms. The “conditional” approval simply means the information you’ve provided on your application still needs to be verified and sent to an underwriter for final review.

Be sure to review all documents in your package. If you’re satisfied, give your Home Lending Advisor your "Intent to Proceed" with the application. Your Home Lending Advisor will help make sure you sign and return any required forms promptly.

Ready to refinance your mortgage?