Current mortgage interest rates

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are mortgage rates determined?", "acceptedAnswer": { "@type": "Answer", "text": "Mortgage rates <a href=https://www.chase.com/personal/mortgage/education/financing-a-home/mortgage-rates-explained>are determined</a> by the amount borrowed and personal finances — like credit history, loan terms and down payment — combined with greater economic factors like the federal reserve rate, the prime rate, the overall economy and the housing market. <br> Note your personal mortgage rate will differ from what you see on Chase’s current mortgage rate page, as certain financial assumptions are made for the purposes of demonstration." } },{ "@type": "Question", "name": "Does my credit score affect my mortgage rate?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, your credit score can influence your mortgage rate. Past financial decisions as reflected in your credit score help lenders evaluate the risk of lending. Consequently, <a href=https://www.chase.com/personal/mortgage/mortgage-purchase/get-started/credit-score>your credit score</a> can often correlate with the interest rates a bank offers you. The good news is, there are ways to help <a href=https://www.chase.com/personal/mortgage/education/buying-a-home/how-to-build-good-credit>improve credit</a> before taking out a mortgage including making on-time payments, avoiding new debt and paying off delinquent accounts." } },{ "@type": "Question", "name": "What is the difference between interest rate and APR on a mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "Interest rates and <a href=https://www.chase.com/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work>annual percentage rates (APR)</a> are two different ways of expressing the fees a borrower incurs when taking out a mortgage:<br> <ol><li>Interest rate relates to the cost of borrowing, stated as a percentage, on the principal amount of a mortgage. This is the rate the borrower’s monthly payment is based on.</li><li>APR measures both the interest charged as well as any other costs associated with the loan, such as discount points or lender origination fees. Because APR is designed to show the total cost of a loan, it can be useful when comparing loans from different lenders.</li></ol><br> APRs are usually higher than interest rates because they include additional costs on top of the interest rate. Prior to signing a mortgage, the lender must disclose the loan's APR and interest rate to help the borrower understand what they’ll be responsible for paying." } },{ "@type": "Question", "name": "How often do mortgage rates change?", "acceptedAnswer": { "@type": "Answer", "text": "Mortgage rates <a href=https://www.chase.com/personal/mortgage/education/financing-a-home/choosing-mortgage-term>can change daily</a> as the economy and housing market fluctuate. However, there is no set schedule of when they will change. You can see when Chase’s rates were last updated in the chart above." } },{ "@type": "Question", "name": "What is a mortgage rate lock?", "acceptedAnswer": { "@type": "Answer", "text": "A <a href=https://www.chase.com/personal/mortgage/education/financing-a-home/mortgage-rate-lock>mortgage rate lock</a> occurs when a lender agrees to freeze the borrower’s interest rate while the mortgage application is in process. 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class="main-content" role="main" > <h1 class="accessible-text">Mortgage rates: Current home interest rates</h1><div class="layouts"><div class="main-content__inner">  <div class="noscript"><noscript> <div class="feature-container"> <div class="body-copy__content "> <h2> <br> <br> Please turn on JavaScript in your browser</h2> <div class="bodycopycontainer parsys"> <div class="textinsert section"> <div class="body-copy__content--text-insert"> <p>It appears your web browser is not using JavaScript. 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We update our interest rate table daily, Monday through Friday, so you always have the most current information on hand. Use our <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-mortgage-calculator" href="/personal/mortgage/calculators-resources/mortgage-calculator">mortgage calculator</a><span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/disc-tools-calcs/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span> to get a customized rate and payment estimate. For our current refinancing rates, go to <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-mort-refi-rates" href="/personal/mortgage/refinance-rates">mortgage refinance rates</a>.</p></div> </div> </div> </div> </div> </section> </div> <div class="module home-refinance"><div class="hl-small row feature-container full-width-table"> <div class="tile-container col-xs-12 col-md-7"> <div class="hl-small__content--title"> <h2>N/A</h2> </div> <div class="hl-small__content--area"> <p></p> </div> <div class="hl-small__content--disclaimer"> <p><span class="accessible-text"></span></p> </div> <div class="hl-small__content--cta-container"> </div> </div> <div class="home-lending-small col-xs-12 col-md-5"> <div class="purchase"> <div class="zip-feature-container"></div> <div class="link-feature-container"></div> <div class="table-feature-container"></div> </div> <div class="home-lending-small--spinner jpui spinner" aria-label=""></div> </div> </div> <script id="PURCHASE-zipUpdate" type="text/template"> <div class="primary-headline" tabindex="-1"> <p>Some of our products and features might be different depending on your location. With your ZIP code, we can make sure the information you see is accurate.</p> </div> <div class="known__user--heading known-user" tabindex="-1"> <p><h2>Current Mortgage Rates for Purchase</h2> </p> </div> <div class="unknown__user--heading unknown-user" tabindex="-1"> <p><h2>Want to know Mortgage rates for purchase?</h2> </p> </div> <div class="known__user--desc known-user" tabindex="-1"> <p>Get a more accurate rate by entering your ZIP code of the home you're looking to purchase.</p> </div> <div class="unknown__user--desc unknown-user" tabindex="-1"> <p>We don't know who you are. Please tell us your ZIP code to see your local rates.</p> </div> <div class="validation-container"> <div class="serviceErrorMessage"> <p>Enter Valid 5-digit ZIP code</p> </div> <div class="input-container"> <label for ="zipCodeInput-home-small-purchase" class="input-label">ZIP code</label> <input type="text" name="z" autocomplete="postal-code" placeholder="ZIP code" class="input-field allowOnlyNum" id="zipCodeInput-home-small-purchase" maxlength="5" pattern="\d*" value="" /> </div> <div class="cta-button-container"> <button type="submit" class="cta-button btn cta cta--primary chaseanalytics-track-link" id="zipcodeSubmit-purchase">See Rates</button> </div> </div> </script> <script id="PURCHASE-linkcontainer" type="text/template"> <div class="refinance-rate-headline"> <a id="PURCHASE-zipLink" class="refinance-rate-link chaseanalytics-track-link" data-pt-name="SM_ZipgateCTAtrackingvalue" href="#"><%= zipcode %> not your ZIP code? Change your ZIP code</span> <span class="refinance-rate-link-icon icon-right-progress"></span> <span class="accessible-text"></span></a> </div> </script> <script id="PURCHASE-smallHLTable" type="text/template"> <div class="table-container"> <div class="primary-headline"> <h2 class="headline-text">Browse today's current mortgage interest rates for purchase</h2> </div> <div class="rate-info-container"> <p>Purchase rates for <%=zipcode%> as of <%= timestampvalue %></p> <a class="get-custom-rate regular-link chaseanalytics-track-link" href="https://www.chase.com/personal/mortgage/calculators-resources/mortgage-calculator" data-pt-name="lnk-rate-payment">Get a customized rate and payment</a> </div> </div> </script> <script id="PURCHASE-desktopTable" type="text/template"> <div class="rate-table-wrapper"> <table> <caption><span class="util accessible-text">Today's purchase interest rates for your local area</span></caption> <thead> <tr> <th scope= "col" class="aligncenter"><p>LOAN TYPE</p> </th> <th scope= "col" class="aligncenter"><p>RATE</p> </th> <th scope= "col" class="aligncenter"><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> </tr> </thead> <tbody> <tr class="home-30"> <td class="home-small0name aligncenter">30 year Fixed</td> <td class="home-small0rate aligncenter">XXX%</td> <td class="home-small0apy aligncenter">XXX%</td> </tr> <tr class="home-15"> <td class="home-small1name aligncenter">15 year Fixed</td> <td class="home-small1rate aligncenter">XXX%</td> <td class="home-small1apy aligncenter">XXX%</td> </tr> <tr class="home-fha"> <td class="home-small4name aligncenter">30 year FHA</td> <td class="home-small4rate aligncenter">XXX%</td> <td class="home-small4apy aligncenter">XXX%</td> </tr> <tr class="home-76"> <td class="home-small2name aligncenter">7/6 month ARM</td> <td class="home-small2rate aligncenter">XXX%</td> <td class="home-small2apy aligncenter">XXX%</td> </tr> <tr class="home-56"> <td class="home-small3name aligncenter">5/6 month ARM</td> <td class="home-small3rate aligncenter">XXX%</td> <td class="home-small3apy aligncenter">XXX%</td> </tr> <tr class="home-jumbo"> <td class="home-small5name aligncenter">30 year Jumbo</td> <td class="home-small5rate aligncenter">XXX%</td> <td class="home-small5apy aligncenter">XXX%</td> </tr> <tr class="home-IO"> <td class="home-small6name aligncenter">10/6 Interest only Jumbo ARM</td> <td class="home-small6rate aligncenter">XXX%</td> <td class="home-small6apy aligncenter">XXX%</td> </tr> </tbody> </table> </div> <div class="disclaimer alignleft"><p>The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any discount points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.</p> <p>Rates displayed in the table include approximately 1 discount point and are based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $350,000 with a down payment of 20%. 30-year fixed FHA based on a loan amount of $250,000 with a down payment of 5%. 30-year fixed jumbo and 10/6 Interest Only ARM jumbo products are based on a loan amount of $1,300,000 with a down payment of 30%. All loans assume a single-family residence; purchase loan; mortgage rate lock period of 30 days and customer profile with excellent credit. <a class="chaseanalytics-track-link regular-link " data-pt-name="lnk-mortgage-rates2" href="/personal/mortgage/mortgage-rates2">See estimated monthly payments.</a></p> <p>Depending upon your credit profile and loan amount, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.</p> </div> </script> <script id="PURCHASE-mobileTable" type="text/template"> <div class="small-breakpoint-wrapper"> <table aria-label="Today's purchase interest rates for your local area"> <tbody> <tr class="home-small30"> <th><p>LOAN TYPE</p> </th> <td class="home-small0name">30 year Fixed</td> </tr> <tr class="home-small30"> <th><p>RATE</p> </th> <td class="home-small0rate">XXX</td> </tr> <tr class="home-small30 loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small0apy">XXX</td> </tr> <tr class="home-small15"> <th><p>LOAN TYPE</p> </th> <td class="home-small1name">15 year Fixed</td> </tr> <tr class="home-small15"> <th><p>RATE</p> </th> <td class="home-small1rate">XXX</td> </tr> <tr class="home-small15 loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small1apy">XXX</td> </tr> <tr class="home-smallfha"> <th><p>LOAN TYPE</p> </th> <td class="home-small4name">30 year FHA</td> </tr> <tr class="home-smallfha"> <th><p>RATE</p> </th> <td class="home-small4rate">XXX</td> </tr> <tr class="home-smallfha loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small4apy">XXX</td> </tr> <tr class="home-small76"> <th><p>LOAN TYPE</p> </th> <td class="home-small2name">7/6 month ARM</td> </tr> <tr class="home-small76"> <th><p>RATE</p> </th> <td class="home-small2rate">XXX</td> </tr> <tr class="home-small76 loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small2apy">XXX</td> </tr> <tr class="home-small56"> <th><p>LOAN TYPE</p> </th> <td class="home-small3name">5/6 month ARM</td> </tr> <tr class="home-small56"> <th><p>RATE</p> </th> <td class="home-small3rate">XXX</td> </tr> <tr class="home-small56 loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small3apy">XXX</td> </tr> <tr class="home-smalljumbo"> <th><p>LOAN TYPE</p> </th> <td class="home-small5name">30 year Jumbo</td> </tr> <tr class="home-smalljumbo"> <th><p>RATE</p> </th> <td class="home-small5rate">XXX</td> </tr> <tr class="home-smalljumbo loan-separation"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small5apy">XXX</td> </tr> <tr class="home-smallIO"> <th><p>LOAN TYPE</p> </th> <td class="home-small6name">10/6 Interest only Jumbo ARM</td> </tr> <tr class="home-smallIO"> <th><p>RATE</p> </th> <td class="home-small6rate">XXX</td> </tr> <tr class="home-smallIO"> <th><p>APR<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/apr-cost-of-credit/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </th> <td class="home-small6apy">XXX</td> </tr> </tbody> </table> </div> <div class="disclaimer alignleft"><p>The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any discount points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.</p> <p>Rates displayed in the table include approximately 1 discount point and are based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $350,000 with a down payment of 20%. 30-year fixed FHA based on a loan amount of $250,000 with a down payment of 5%. 30-year fixed jumbo and 10/6 Interest Only ARM jumbo products are based on a loan amount of $1,300,000 with a down payment of 30%. All loans assume a single-family residence; purchase loan; mortgage rate lock period of 30 days and customer profile with excellent credit. <a class="chaseanalytics-track-link regular-link " data-pt-name="lnk-mortgage-rates2" href="/personal/mortgage/mortgage-rates2">See estimated monthly payments.</a></p> <p>Depending upon your credit profile and loan amount, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.</p> </div> </script> <script id="PURCHASE-noCookie" type="text/template"> <div class="no-cookie-container"> <div class="primary-headline" tabindex="-1"> <span class="accessible-text">Cookies not enabled</span> <img class="autorate__update__update--error-message__img" src="/etc/designs/chase-ux/css/img/error-icon.png" alt="Alert Message" > <p>Cookies not enabled</p> </div> <div class="secondary-headline"> <p><b>We need cookies</b></p> <p>We use cookies to give you a more customized online experience.  Learn more about why we use cookies.</p> <p>Browsers differ, but you can usually enable your cookies  in your browser’s privacy settings (Usually under the Options or Settings menu for your browser)</p> <p>Once you've updated your cookies, refresh this page to continue.</p> </div> </div> </script> <script id="PURCHASE-serviceError" type="text/template"> <div class="service-error-container"> <div class="primary-headline" tabindex="-1"> <img class="error-message__img" src="/etc/designs/chase-ux/css/img/error-icon.png" alt="Alert Message" > <p> We weren’t able to find rates for your area</p> </div> <div class="secondary-headline"> Please try again with a different ZIP code</div> </div> </script> <script> require(["main"], function () { require(["amd/home-lending-small-table-dmps"], function (HomeLendingSmallDMPS) { HomeLendingSmallDMPS.init("PURCHASE"); }); }); </script></div> <div class="module bodycopy"><section class="body-copy default "> <div class="feature-container"> <div class="body-copy__content "> <div class="body-copy__content--header"> <h2 class="center">Mortgage Rates FAQs</h2> </div> <div class="bodycopycontainer parsys"></div> </div> </div> </section> </div> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div id="home-value" class="accordians__inner--content"> <input id="accesible-text1" type="hidden" value=" "> <input id="accesible-text2" type="hidden" value=" "> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#home-value_mortgage-rates-determined" content-link data-link="mortgage-rates-determined" data-pt-name="mortgage-rates-determined" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>How are mortgage rates determined?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="home-value_mortgage-rates-determined" class="accordians__inner--content__buttons--desc"> <p>Mortgage rates <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/education/financing-a-home/mortgage-rates-explained">are determined</a> by the amount borrowed and personal finances — like credit history, loan terms and down payment — combined with greater economic factors like the federal reserve rate, the prime rate, the overall economy and the housing market.</p> <p> </p> <p>Note your personal mortgage rate will differ from what you see on Chase’s current mortgage rate page, as certain financial assumptions are made for the purposes of demonstration.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#home-value_mortgage-rates-score" content-link data-link="mortgage-rates-score" data-pt-name="mortgage-rates-score" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Does my credit score affect my mortgage rate?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="home-value_mortgage-rates-score" class="accordians__inner--content__buttons--desc"> <p>Yes, your credit score can influence your mortgage rate. Past financial decisions as reflected in your credit score help lenders evaluate the risk of lending. Consequently, your <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/mortgage-purchase/get-started/credit-score">credit score</a> can often correlate with the interest rates a bank offers you. The good news is, there are ways to help <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/education/buying-a-home/how-to-build-good-credit">improve credit</a> before taking out a mortgage including making on-time payments, avoiding new debt and paying off delinquent accounts.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#home-value_mortgage-rates-apr" content-link data-link="mortgage-rates-apr" data-pt-name="mortgage-rates-apr" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>What is the difference between interest rate and APR on a mortgage?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="home-value_mortgage-rates-apr" class="accordians__inner--content__buttons--desc"> <p>Interest rates and <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work">annual percentage rates (APR)</a> are two different ways of expressing the fees a borrower incurs when taking out a mortgage:</p> <p> </p> <p>1. Interest rate relates to the cost of borrowing, stated as a percentage, on the principal amount of a mortgage. This is the rate the borrower’s monthly payment is based on.</p> <p>2. APR measures both the interest charged as well as any other costs associated with the loan, such as discount points or lender origination fees. Because APR is designed to show the total cost of a loan, it can be useful when comparing loans from different lenders.</p> <p> </p> <p>APRs are usually higher than interest rates because they include additional costs on top of the interest rate. Prior to signing a mortgage, the lender must disclose the loan's APR and interest rate to help the borrower understand what they’ll be responsible for paying.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#home-value_mortgage-rates-change" content-link data-link="mortgage-rates-change" data-pt-name="mortgage-rates-change" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>How often do mortgage rates change?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="home-value_mortgage-rates-change" class="accordians__inner--content__buttons--desc"> <p>Mortgage rates <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/education/financing-a-home/choosing-mortgage-term">can change daily</a> as the economy and housing market fluctuate. However, there is no set schedule of when they will change. You can see when Chase’s rates were last updated in the chart above.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#home-value_mortgage-rates-lock" content-link data-link="mortgage-rates-lock" data-pt-name="mortgage-rates-lock" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>What is a mortgage rate lock?</b></h3> </span> <span class="accessible-text accordian"> </span> </button> <section id="home-value_mortgage-rates-lock" class="accordians__inner--content__buttons--desc"> <p>A <a class="chaseanalytics-track-link regular-link " href="/personal/mortgage/education/financing-a-home/mortgage-rate-lock">mortgage rate lock</a> occurs when a lender agrees to freeze the borrower’s interest rate while the mortgage application is in process. The agreement typically lasts 30 to 90 days to protect the borrower from potential inflation before closing day.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> <div class="module bucket"><div class="module-bucket module-bucket--4col neutral"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Take the first step and get preapproved.<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/results-do-not-guarantee/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></h2> </div> </div> <div id=71004357-ad88-4b2a-8f16-6eb4be1bcb8e class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Ready to apply?</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/click-to-apply-01.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Ready to apply?</h3></div> <div class = "module-bucket--tile__cta-section2"> <div class="module-bucket--tile__btn"> <a class="btn cta cta--btn-green-aloe cta--small chaseanalytics-track-link" href="https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;AcctRef=Credit/index/index" data-pt-name="hf_btn-apply-online"> Get preapproved</a> </div> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Come in</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/come-in-02.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Come in</h3></div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link regular-link chaseanalytics-track-link" href="https://homelendingadvisor.chase.com/" data-pt-name="hl-lnk-hladvisor"> Find a Home Lending Advisor</a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("71004357-ad88-4b2a-8f16-6eb4be1bcb8e"); }); }); </script> </div> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Learn about mortgage rates</h2> </div> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;">Mortgage rates are the rate of interest that is charged on a mortgage. Calculated by your lender, mortgage rates can either be fixed for the length of your mortgage or adjustable based on the current market.</p> </p> </div> </div> <div id=6df1e589-be89-437b-bb6a-23ed59a23084 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-01.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p>Based on a number of factors, <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-mort-rates" href="/personal/mortgage/mortgage-purchase/choose-a-loan/terms-and-rates">mortgage rates</a> are indicators of the level of risk a potential homebuyer presents to a lender. The higher <span>the risk, the higher the mortgage rate. Qualified homebuyers can find lower mortgage rates by having a good <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-credit-score" href="/personal/mortgage/mortgage-purchase/get-started/credit-score">credit score</a>, a higher </span><a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-downpayments" href="/personal/mortgage/mortgage-purchase/get-started/down-payment"><span>down payment</span></a><span> and shorter loan terms.</span></p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-02.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p>Mortgage interest rates are just one part of your mortgage and they are often confused with annual percentage rate. Learn more about <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-rates-diff-aprs" href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work">how interest rates differ from APRs</a>.</p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-03.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p><a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-lock-rate" href="/personal/mortgage/mortgage-purchase/choose-a-loan/lock-a-rate">Locking in an interest rate</a> is also an option to ensure a lower mortgage rate. However, as mortgage rates change daily, work with your <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-hla" href="https://homelendingadvisor.chase.com/">Home Lending Advisor</a> to secure a rate <span>for your budget and mortgage.</span></p> </div> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("6df1e589-be89-437b-bb6a-23ed59a23084"); }); }); </script> </div> <div class="module bucket"><div class="module-bucket module-bucket--4col default divider"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Mortgage rates resources</h2> </div> </div> <div id=00dc1e37-ea9a-48fc-a6e7-78cb4d35ef52 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>Mortgage interest rate vs. APR</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-04.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>Mortgage interest rate vs. APR</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Mortgages have interest and annual rates. Learn the difference between mortgage interest rates and APRs <span>or annual percentage rates.</span></p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work" data-pt-name="hl_lnk-interest-rates-vs"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about interest rates vs. APRs</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>How to buy a home - Initial steps</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-05.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>How to buy a home - Initial steps</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Buying a home can be the largest purchase many of us make in our lifetime and, while exciting, can also be stressful. With so many factors to consider and so many online sources available, it can be difficult <span>to know where to start.</span></p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/buying-a-home/buy-home-initial-steps" data-pt-name="hl_lnk-initial-steps"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about initial steps to buy a home</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>Affordable down payment options</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-06.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>Affordable down payment options</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Whether you’re buying a new home or exploring the benefits of refinancing, we offer affordable low down payment options<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/disc-mortgage-insurance/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span> and grants, plus our exclusive Chase DreaMaker℠ mortgage, to help you <span>make it happen.</span><span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/disc-home-lending-dreamaker3/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/buying-a-home/how-get-assistance-with-down-payment" data-pt-name="hl_lnk-aff-down-payment"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about affordable down payment options</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>How to use a mortgage calculator</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-07.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>How to use a mortgage calculator</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Follow our step-by-step guide on how to use a mortgage calculator and learn how this tool to calculate your estimated mortgage <span>payments.</span></p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/how-to-use-mortgage-calculator" data-pt-name="hl_lnk-use-mortgage-calc"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about how to use the mortgage calculator</span> </a> </p> </div> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("00dc1e37-ea9a-48fc-a6e7-78cb4d35ef52"); }); }); </script> </div> <div class="module bucket"><div class="module-bucket module-bucket--3col default divider"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">What do you need help with?</h2> </div> </div> <div id=09a111ee-8a16-4ced-bb32-a9251a99b925 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Financing a home purchase</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/financing-home.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Financing a home purchase</h3></div> <div class="module-bucket--tile__desc desc-left"> <p style="text-align: center;">Find everything you need to know to successfully buy the home of your dreams.</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/mortgage-purchase" data-pt-name="hl_lnk-imready"> I'm ready<span class="icon-right-progress"></span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Refinancing a mortgage<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/servicemembers-and-dependents/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/refinancing-home.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Refinancing a mortgage<span data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/servicemembers-and-dependents/_jcr_content/module/disclosurecontainer/disclaimer.html?wcmmode=disabled" class="disclosure"></span></h3></div> <div class="module-bucket--tile__desc desc-left"> <p style="text-align: center;"><br /> Ready to save on mortgage payments, change your loan term or get cash out with refinancing?</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/mortgage-refinance" data-pt-name="hl_lnk-mort-refi"> Let's go<span class="icon-right-progress"></span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Using your home’s equity</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/home-equity.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Using your home’s equity</h3></div> <div class="module-bucket--tile__desc desc-left"> <p style="text-align: center;"><br /> You can tap into your home’s equity to finance home improvements<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/disc-not-offer-tax-advice/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>, consolidate debt<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/home-equity/disc-debt-consolidation/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> and more.</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/refinance/home-equity" data-pt-name="hl_lnk-home-equity"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about using your home’s equity</span> </a> </p> </div> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("09a111ee-8a16-4ced-bb32-a9251a99b925"); }); }); </script> </div> <div class="module bodycopy"><section class="body-copy default "> <div class="feature-container"> <div class="body-copy__content divider"> <div class="body-copy__content--header"> <h2 class="center">Helpful tools</h2> </div> <div class="bodycopycontainer parsys"><div class="textinsert section"><div class="body-copy__content--text-insert"> <p style="text-align: center;">Financing a home can be easy when you know how. Browse our tools, resources and articles for help understanding how buying a home, refinancing a mortgage and tapping into your home's equity works.</p></div> </div> </div> </div> </div> </section> </div> <div class="module twocolumnvariants"> <div class="colctrl-section default "> <div class="colctrl-section--inner feature-container row "> <div class="colctrl-section__2colcontainer--one hidecolumn col-xs-12 col-sm-6 col-lg-6"> <div class="image section"> <div class="col--control__image-container hideimage"> <img src="/content/dam/structured-images/chase-ux/bodycopy/primary/personal/mortgage/how-to-article-15mortprocess.jpg" alt=""/> </div> </div> </div> <div class="colctrl-section__2colcontainer--two col-xs-12 col-sm-6 col-lg-6"> <div class="bodysection section"> <div class="col--control__body--tile-section "> <div class="col--control__body--tile-section--inner col-xs-12"> <div class="col--control__body--tile-section--content "> <div class="col--control__body--tile-section--desc"> <p> </p> <ul style="list-style: none;"> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-affordable-lending" href="/personal/mortgage/affordablelending">Affordable lending</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-jumbo-loan" href="/personal/mortgage/jumbo-mortgage">Jumbo Mortgage</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-mort-dictionary" href="/personal/mortgage/mortgage-glossary-terms">Mortgage dictionary</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-faqs" href="/personal/mortgage/faq/first-time-homebuyer">Frequently asked questions</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-education-ctr" href="/personal/mortgage/tools-and-education">Education center</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-video-library" href="/personal/mortgage/helpful-tips-and-videos">Video library</a></li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="module stickyorigination"><div class="sticky-footer-dropzone"></div> <div class="sticky-footer divider" aria-label="To get prequalified for a mortgage start online." role="region"> <div class="sticky-footer--container"> <div class="sticky-footer--container-inner"> <div class="sticky-footer--tile__cta sticky-footer--tile__cta-single"> <a class="btn cta cta cta--btn-green-aloe cta--large chaseanalytics-track-link" href="https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;AcctRef=Credit/index/index" data-pt-name="mortgage_startonline"> Get preapproved</a> </div> </div> </div> </div> <script type="text/template" id="StickyfooterCloseWrapper"> <div class="sticky-footer--close"> <button type="button" class="icon-close chaseanalytics-track-link" data-pt-name=""> <span class="accessible-text">close</span> </button> </div> </script> </div> </noscript> </div> <script> require(["main"], function () { require(["amd/dynamic-page-creation"], function (DynamicPage) { var options = { "baseAdPageId":"", "layouts": [ { "id": "standalone_a", "adPageId":"", "enableScrollAnimation": false,"disableOnMobile": false, "aboveFoldModules": [ { "url" : "/content/chase-ux/en/structured/module/heroimage/personal/mortgage/mortgage-rates-hero/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bodycopy/personal/mortgage/purchase-rates/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/home-lending/mortgage-rates-purchase1/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bodycopy/personal/mortgage/mort-rates-faqs/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/accordion/personal/mortgage/mortgage-rates/_jcr_content/module.html" } ], "belowFoldModules": [ { "url" : "/content/chase-ux/en/structured/module/bucket/personal/mortgage/cta/call-online-comein-grey-get-preapproved/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bucket/personal/mortgage/mortgage-rates-learn-bucket/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bucket/personal/mortgage/mortgage-rates-resources-bucket/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bucket/personal/mortgage/calculators-resources-help/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/bodycopy/personal/mortgage/mortgage-rates-helpful-tools-bodycopy/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/twocolumnvariants/personal/mortgage/mortgage-rates-helpful-tools/_jcr_content/module.html" }, { "url" : "/content/chase-ux/en/structured/module/stickyorigination/personal/mortgage/mortgage-rates-purchase-sticky-button-get-preapproved/_jcr_content/module.html" } ] } ] }; 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