Chase Mortgage Rates

Credit score of 760, I have asked to refi and always get denied. Part of the house is a sectional and part is stick built with a 2 car attached garage with many expensive updates. They had no problem taking the loan initially but now they claim because part of it is a sectional they cant do the loan, even though it is on a permanent foundation therefore nullifying it being anything mobile.

Chase does an awesome job with home mortgages. They’ve always had the best interest rate when we were looking. They’re very efficient and make the process easy to deal with!

I started this process in May. It's now September and we still don't have a closing date. Here's why I am rating this a 1 star:

My Details:
Income: 175K+
Home Value: 300K+
Mortgage Balance: 129K+
Rental Property Mortgage: $360/mo
Other/Revolving Debt: $0
Savings Account Balance: 12 Months of Living Expenses
Retirement & Other Investment Balances: 500K+

This should be a slam dunk, but nope. They need to verify that my 22.4K HELOC with another bank won't take me above underwriting's DTI guidelines.

Submitted the HELOC contract with my previous customer service rep (CSR) twice. First time it was too dark. Second time it was lost due to CSR leaving Chase. Second CSR has asked me to resubmit this contract and other closing related documents.

Chase's refi volume, like other lenders, is way up; however, their processes are out of control. If you need a quick turn, I'd go somewhere else.

The refinance process was really easy and saved me a point with cash out for home improvements. Website is really easy to navigate to make additional principal payments, check escrow balances etc.

We recently paid off the mortgage on our home. Chase was an excellent lender. I hate to be forced into saying more than I said in the first place. That is why I never fill out these rations.

Chase was quick with their process and the service was good. As a Chase Private Client, I also received 0.25% off my rate, which is a real savings.

Good some times accurate some time not but it’s live and I enjoy my app and the notifications are pretty much instantly alerting me with updates

They purchased the mortgage, and have a great website with vert useful options. I like the ability to integrate my credit cards on one screen

We have a good relationship with Chase. They have handled our mortgage for a couple years now and we look forward to working with them indefinitely.