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Know your mortgage loan options

Mortgage options

Find a loan to fit your needs

Conventional mortgages

Simply put, a conventional mortgage is a loan that's not backed by a government agency, such as the Federal Housing Administration (FHA) or Veterans Affairs (VA). There are two types of conventional loans: conforming and nonconforming. Conforming loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). When a loan doesn't follow these lending rules, it's considered non-conforming.

There are a number of factors that may cause a loan to be non-conforming; generally loan amount is a key factor. While a 30-year fixed-rate mortgage is a popular conventional loan, you have other options, such as a 15-year fixed-rate loan or a 7/6 ARM, to name a few. Think about your current budget as well as your longer-term financial goals as you plan. Our mortgage calculators can help you get there.

Things to consider:

While a 30-year fixed-rate mortgage is a popular conventional loan, you have other options, such as a 15-year fixed-rate loan or a 7/6 ARM, to name a few. Think about your current budget as well as your longer-term financial goals as you plan. Our mortgage calculators can help you get there.

Mortgages with lower down payments

Chase DreaMaker℠ mortgage

Chase DreaMaker℠ mortgage

A DreaMaker mortgage has down payment options as low as 3% and lower monthly payments with a 30-year fixed rate.

Things to consider:

You'll need to meet income requirements to qualify for this loan.

Federal Housing Administration (FHA) loan

Federal Housing Administration (FHA) loan

An FHA mortgage is a government-insured loan that offers down payments as low as 3.5%. FHA loans come with a 15-, 20-, 25- or 30-year term and have a fixed interest rate.

Things to consider:

While there are no specific income requirements to qualify, you will have to pay monthly mortgage insurance for the duration of the loan and a mortgage insurance premium at closing.

Veteran Affairs (VA) loan

Veteran Affairs (VA) loan

A VA loan has low or no down payment options and no monthly mortgage insurance requirement. VA loans are available with 10-, 15-, 20-, 25- or 30-year terms.

Things to consider:

You must be a veteran, active duty service member or a member of the National Guard or Reserve to qualify for a VA loan.

Mortgages for higher-priced real estate

Jumbo loan

A jumbo loan is a mortgage for a more expensive property. The maximum amount for a jumbo loan at Chase is $9.5 million.

Things to consider:

You need to have a minimum credit score and a certain amount of cash to qualify.

Which loan works for your needs?

Consider these factors when deciding which loan fits your needs.

Take the first step of preapproval

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