1 Percent Mortgage Cash Back

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Whether you're buying a new home or refinancing your mortgage, it's easier than you think to find the right loan for you. Chase is here to help you do just that.
  • Choose from a broad range of loans to suit for your needs
  • Rates tailored to your specific situation
  • Get your prequalification letter the same day
Prequalify in 10 minutes—take
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Results of the mortgage affordability estimate/prequalification are guidelines; the estimate is not an application for credit and results do not guarantee loan approval or denial. 

1% Mortgage Cash BackSM
With the patent pending 1% Mortgage Cash BackSM program, customers can earn up to 1% cash back on their mortgage. This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. The 1% cash back award is calculated on customers' scheduled monthly principal and interest payments on mortgages applied for and closed only with Chase. The award does not apply to extra principal payments or to payments for escrowed items such as taxes and insurance. Customers must enroll in the 1% Mortgage Cash Back program online at chase.com within 60 days of closing. Customers without access to chase.com should contact their Mortgage Banker within 60 days of their closing for enrollment help.

The annual award will be calculated and totaled over a 12-month period, starting with the closing date of the loan. For a customer's first year in the program, the award will be calculated based on the number of automatic mortgage payments made during that year. Awards will be paid approximately 2 weeks after the anniversary of a customer's closing date. Customers can choose to have the award paid by direct deposit into a Chase personal checking account or applied to their outstanding principal balance. Customers must choose how they want to receive their 1% award when they enroll. Customers can change how they want to receive their award at any time on chase.com or by calling Customer Care at the number listed on their mortgage statement. The last year's award will be calculated on the actual number of payments in that year, and paid within 2 weeks after a customer pays off their loan. 

The savings examples presented in the calculator and savings tables for awards applied to principal are estimates only. Actual savings may vary.

To be eligible, a customer must: (1) Have a new or existing Chase personal checking account opened before their loan closing, and (2) Enroll in Chase's automatic mortgage payment service. With this service, their mortgage payment will be automatically deducted from their Chase personal checking account. Payments must go directly from a Chase personal checking account to the Chase mortgage and not be managed by third parties.

Chase will verify that a checking account is active before issuing the annual award. After any of the following events, the offer may be voided and no payment will be made for the 12 month period involved and for any time going forward: (a) cancellation of automatic mortgage payments or the Chase personal checking account, whether by customer or by Chase (as described in the automatic mortgage payment or Chase personal checking account agreement), or (b) any payoff of a mortgage included in the 1% Mortgage Cash BackSM program, other than at maturity or through a Chase to Chase refinance. If the mortgage is refinanced with Chase or paid at maturity, the customer will receive their accrued benefit for that year pro-rated through the payoff date of the first mortgage. The pro-rated amount will be direct deposited into their Chase checking account. The refinanced mortgage must be independently enrolled in the program on terms available at the time for continued participation. Upon the customer's enrollment, Chase will review the account to ensure the eligibility criteria are met. If for any reason the account does not meet the above criteria, Chase will cancel the enrollment in the Mortgage Cash Back program. This offer is not transferable, is limited to one per customer at any given time, and may be discontinued at any time without notice. Loans where servicing is not retained by Chase are excluded. There is a $500 calendar year cap on the principal reduction or cash back amount. The 1% Mortgage Cash Back may result in taxable income to the customer. We encourage customers to consult with personal tax advisors. Visit us at www.chase.com/MortgageCashBack

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

Home lending and deposit products offered by JPMorgan Chase Bank, N.A. Member FDIC. 

This site is directed at, and made available to, persons in the United States. All mortgage loans are offered through JPMorgan Chase Bank, N.A. All loans subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Chase only originates mortgage loans within the United States of America.

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