Save More with Chase: Stackable Mortgage Perks & Grants You Should Know

Buying a home can be expensive, but Chase Home Lending offers several programs that can stack together to lower your interest rate, reduce closing costs, and help with down payments.

1. Relationship Pricing: Lower Rates for Bank Loyalty

Customers with Chase or J.P. Morgan accounts may qualify for rate discounts up to 1%, based on new deposits or investments.

• New deposits/investments: up to 1% off

• Existing account balances: up to 0.25% off

• Combined rate discount capped at 1% total

2. Chase Homebuyer Grant (Up to $5,000 or $7,500)

Depending on your location, you might receive a $2,500, $5,000, or even $7,500 grant on your home purchase.

The funds apply first toward points, closing costs, and, if applicablem, down payment.

• Available on DreaMaker, Standard Agency, FHA, and VA loans, for primary residences only. Must meet census tract eligibility.

3. DreaMaker Mortgage: Low Down Payment & Flexible Criteria

Designed for low- to moderate-income buyers, this program offers:

• Down payment as low as 3%

• Flexible credit and income criteria

• No income limits in select areas eligible for the $7,500 grant 

4. Closing Guarantee: $5,000 If You Don’t Close on Time

Chase promises an on-time closing (as fast as three weeks), or you receive $5,000, if you qualify. 

5. Combine and Save: How These Programs Work Together

• Relationship Pricing lowers your interest rate immediately.

• Homebuyer Grant helps cover checkout costs or reduce points.

• DreaMaker requires minimal down payment, great combo for first-time buyers.

• Closing Guarantee offers peace of mind, and potential compensation, if timelines slip.

Why It Matters

By stacking:

• Up to 1% off interest

• $2,500 to $7,500 in grants

• Fast, guaranteed closings

…you can dramatically lower your borrowing costs, reduce your down payment barrier, and make your homebuying journey smoother.

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