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#FFFFFF;--green-cta-tertiary-hover-bg:#006B4214;--green-cta-tertiary-hover-color:#004B26;--green-cta-tertiary-active-color:#006B42;--green-cta-tertiary-active-bg:#004B2614;--green-cta-tertiary-color:#005B33;--green-cta-tertiary-border-radius:4px;--green-cta-tertiary-bg:transparent;--green-cta-tertiary-inverse-bg:transparent;--green-cta-tertiary-inverse-color:#ffffff;--green-cta-tertiary-inverse-hover-color:#ffffff;--green-cta-tertiary-inverse-hover-bg:#0E6D3580;--green-cta-tertiary-inverse-active-bg:#107A3B80;--green-cta-tertiary-inverse-active-color:#ffffff;--link-bg:transparent;--link-color:#005eb8;--link-border-radius:0;--link-text-decoration:underline;--link-outline-color:#101820;--link-outline-size:0.0625rem;--link-outline-style:dashed;--link-hover-color:#004692;--link-brand-bar-color:#101820;--link-brand-bar-select-underline:#0B6EF7 --link-brand-bar-margin-x-y:0.75rem;--icon-color:#565a5d;--icon-hover-color:#31373d;--banner-icon-color:var(--neutral-background-text-color);}/*!sc*/ data-styled.g6[id="sc-616a4ab6-4"]{content:"iPmVBm,"}/*!sc*/ :root{--root-font-size:16px;--body-bg:#ffffff;--body-color:#101820;--font-family:"Open Sans","Helvetica Neue",helvetica,arial,sans-serif;--primary:#ffffff;--primary-color:#c1c3c3;--primary-bg:#ffffff;--primary-transparent-bg:#ffffffE5;--primary-border:#101820;--primary-background-text-color:#101820;--primary-bg-promo-breaker-animation-border-color:#ffffff;--secondary:#565a5d;--secondary-color:#ffffff;--secondary-bg:#005eb8;--secondary-transparent-bg:#002f6cE5;--secondary-border:#ffffff;--secondary-background-text-color:#ffffff;--secondary-link-text-color:#ffffff;--secondary-link-text-hover-color:#ffffff;--secondary-link-text-outline-color:#ffffff;--light:#f5f7f8;--light-bg:#6e7275;--light-transparent-bg:#6e7275E5;--light-border:#ffffff;--light-background-text-color:#ffffff;--light-background-link-text-color:#ffffff;--light-background-link-text-hover-color:#ffffff;--light-background-link-text-outline-color:#ffffff;--neutral-bg:#f5f7f8;--neutral-transparent-bg:#f5f7f8E5;--neutral-border:#101820;--neutral-background-text-color:#101820;--neutral-bg-promo-breaker-animation-border-color:#ffffff;--dark-bg:#002f6c;--dark-transparent-bg:#002f6cE5;--grey-bg:#F1F1F0;--success:#398100;--accent:#0B6EF7;--white:#ffffff;--black:#101820;--text-gray:#474c50;--border-radius-large:2.5rem;--default-border-color:#041E42;--cta-ada-outline:0.0625rem dashed #262626;--cta-ada-outline-inverse:0.0625rem dashed #ffffff;--cta-disabled-bg:#EDEDED;--cta-disabled-color:#959595;--cta-primary-disabled-color:#ededed;--cta-primary-secondary-padding-right:1rem;--cta-primary-secondary-padding-left:1rem;--cta-primary-secondary-min-width:10rem;--cta-tertiary-min-width:4.8125rem;--cta-min-height:2.25rem;--cta-primary-bg:#005eb8;--cta-primary-hover-bg:#004692;--cta-primary-active-bg:#002f6c;--cta-primary-color:#ffffff;--cta-primary-border:0.0625rem solid #0060F0;--cta-primary-border-radius:4px;--cta-primary-inverse-bg:#ffffff;--cta-primary-inverse-color:#0060F0;--cta-primary-inverse-hover-color:#0A4386;--cta-primary-inverse-hover-bg:#ffffff;--cta-primary-inverse-active-color:#005EB8;--cta-primary-inverse-border-radius:4px;--cta-primary-active-color:#ffffff;--cta-primary-border-style:none;--cta-secondary-hover-active-bg:#ffffff;--cta-secondary-color:#101820;--cta-secondary-hover-color:#0A4386;--cta-secondary-active-color:#005EB8;--cta-secondary-border-radius:4px;--cta-secondary-border:4px solid #005eb8;--cta-secondary-bg:transparent;--cta-secondary-inverse-color:#ffffff;--cta-secondary-inverse-hover-bg:rgba(10, 67, 134, 0.5);--cta-secondary-inverse-active-bg:rgba(0, 146, 255, 0.5);--cta-secondary-inverse-border-radius:4px;--cta-secondary-inverse-border:4px solid #ffffff;--cta-tertiary-hover-active-bg:rgba(0, 96, 240, 0.08);--cta-tertiary-hover-color:#0A4386;--cta-tertiary-active-color:#0060F0;--cta-tertiary-color:#ffffff;--cta-tertiary-border-radius:4px;--cta-tertiary-bg:transparent;--cta-tertiary-inverse-color:#ffffff;--cta-tertiary-inverse-hover-color:#ffffff;--cta-tertiary-inverse-active-color:#ffffff;--cta-primary-hover-color:#ffffff;--cta-success-bg:#398100;--cta-success-color:#ffffff;--cta-success-border-radius:5.33333px;--mds-cta-ada-outline:0.0625rem dashed #262626;--mds-cta-ada-outline-inverse:0.0625rem dashed #ffffff;--mds-cta-disabled-bg:#EDEDED;--mds-cta-disabled-color:#959595;--mds-cta-primary-disabled-color:#959595;--mds-cta-primary-secondary-padding-right:1rem;--mds-cta-primary-secondary-padding-left:1rem;--mds-cta-tertiary-padding-x:0.5rem;--mds-cta-primary-secondary-min-width:10rem;--mds-cta-tertiary-min-width:4.8125rem;--mds-cta-min-height:2.25rem;--mds-cta-primary-bg:#005eb8;--mds-cta-primary-hover-bg:#004692;--mds-cta-primary-active-bg:#002f6c;--mds-cta-primary-color:#ffffff;--mds-cta-primary-hover-color:#ffffff;--mds-cta-primary-border:0.0625rem solid #0060F0;--mds-cta-primary-border-style:none;--mds-cta-primary-border-radius:4px;--mds-cta-primary-inverse-bg:#ffffff;--mds-cta-primary-inverse-color:#0060F0;--mds-cta-primary-inverse-hover-color:#0A4386;--mds-cta-primary-inverse-hover-bg:#ffffff;--mds-cta-primary-inverse-active-color:#005EB8;--mds-cta-primary-inverse-active-bg:#ffffff;--mds-cta-primary-inverse-border-radius:4px;--mds-cta-primary-active-color:#ffffff;--mds-cta-secondary-hover-bg:#0060F014;--mds-cta-secondary-color:#0060F0;--mds-cta-secondary-hover-color:#0A4386;--mds-cta-secondary-hover-border:1px solid #0A4386;--mds-cta-secondary-active-color:#005EB8;--mds-cta-secondary-active-bg:#ffffff;--mds-cta-secondary-active-border:1px solid #0092FF;--mds-cta-secondary-border-radius:4px;--mds-cta-secondary-border:1px solid #0060F0;--mds-cta-secondary-bg:transparent;--mds-cta-secondary-inverse-color:#ffffff;--mds-cta-secondary-inverse-hover-color:#ffffff;--mds-cta-secondary-inverse-hover-bg:#0A4386;--mds-cta-secondary-inverse-active-bg:#005EB8;--mds-cta-secondary-inverse-active-color:#ffffff;--mds-cta-secondary-inverse-border-radius:4px;--mds-cta-secondary-inverse-border:1px solid #FFFFFF;--mds-cta-tertiary-hover-bg:#0060F014;--mds-cta-tertiary-hover-color:#0A4386;--mds-cta-tertiary-active-color:#005EB8;--mds-cta-tertiary-active-bg:#ffffff;--mds-cta-tertiary-color:#0060F0;--mds-cta-tertiary-border-radius:4px;--mds-cta-tertiary-bg:transparent;--mds-cta-tertiary-inverse-color:#ffffff;--mds-cta-tertiary-inverse-hover-color:#ffffff;--mds-cta-tertiary-inverse-hover-bg:#0A4386;--mds-cta-tertiary-inverse-active-bg:#005EB8;--mds-cta-tertiary-inverse-active-color:#ffffff;--mds-cta-success-bg:#398100;--mds-cta-success-color:#ffffff;--mds-cta-success-border-radius:5.33333px;--green-cta-ada-outline:0.0625rem dashed #262626;--green-cta-ada-outline-inverse:0.0625rem dashed #ffffff;--green-cta-disabled-bg:#EDEDED;--green-cta-disabled-color:#959595;--green-cta-primary-disabled-color:#959595;--green-cta-primary-secondary-padding-right:1rem;--green-cta-primary-secondary-padding-left:1rem;--green-cta-tertiary-padding-x:0.5rem;--green-cta-primary-secondary-min-width:10rem;--green-cta-tertiary-min-width:4.8125rem;--green-cta-min-height:2.25rem;--green-cta-primary-bg:#128842;--green-cta-primary-hover-bg:#0E6D35;--green-cta-primary-active-bg:#107A3B;--green-cta-primary-color:#ffffff;--green-cta-primary-hover-color:#ffffff;--green-cta-primary-border:0.0625rem solid #0060F0;--green-cta-primary-border-radius:4px;--green-cta-primary-inverse-bg:#128842;--green-cta-primary-inverse-color:#ffffff;--green-cta-primary-inverse-hover-color:#ffffff;--green-cta-primary-inverse-hover-bg:#0E6D35;--green-cta-primary-inverse-active-color:#ffffff;--green-cta-primary-inverse-active-bg:#107A3B;--green-cta-primary-inverse-border-radius:4px;--green-cta-primary-active-color:#ffffff;--green-cta-secondary-hover-bg:#ffffff;--green-cta-secondary-color:#128842;--green-cta-secondary-hover-color:#0E6D35;--green-cta-secondary-hover-border:1px solid #0E6D35;--green-cta-secondary-active-color:#107A3B;--green-cta-secondary-active-bg:#ffffff;--green-cta-secondary-active-border:1px solid #107A3B;--green-cta-secondary-border-radius:4px;--green-cta-secondary-border:1px solid #128842;--green-cta-secondary-bg:#ffffff;--green-cta-secondary-inverse-bg:transparent;--green-cta-secondary-inverse-color:#ffffff;--green-cta-secondary-inverse-hover-color:#ffffff;--green-cta-secondary-inverse-hover-bg:#0E6D3580;--green-cta-secondary-inverse-active-bg:#107A3B80;--green-cta-secondary-inverse-active-color:#ffffff;--green-cta-secondary-inverse-border-radius:4px;--green-cta-secondary-inverse-border:1px solid #FFFFFF;--green-cta-tertiary-hover-bg:#006B4214;--green-cta-tertiary-hover-color:#004B26;--green-cta-tertiary-active-color:#006B42;--green-cta-tertiary-active-bg:#004B2614;--green-cta-tertiary-color:#005B33;--green-cta-tertiary-border-radius:4px;--green-cta-tertiary-bg:transparent;--green-cta-tertiary-inverse-bg:transparent;--green-cta-tertiary-inverse-color:#ffffff;--green-cta-tertiary-inverse-hover-color:#ffffff;--green-cta-tertiary-inverse-hover-bg:#0E6D3580;--green-cta-tertiary-inverse-active-bg:#107A3B80;--green-cta-tertiary-inverse-active-color:#ffffff;--link-bg:transparent;--link-color:#005eb8;--link-border-radius:0;--link-text-decoration:underline;--link-outline-color:#101820;--link-outline-size:0.0625rem;--link-outline-style:dashed;--link-hover-color:#004692;--link-brand-bar-color:#101820;--link-brand-bar-select-underline:#0B6EF7 --link-brand-bar-margin-x-y:0.75rem;--icon-color:#565a5d;--icon-hover-color:#31373d;--input-primary-color:#101820;--input-primary-bg:#F1F1F0;--input-primary-inverse-color:#002f6c;--input-primary-inverse-bg:#ffffff;--input-disabled-color:#6e7275;--input-disabled-bg:#8c8e90;--input-min-width:10rem;--input-border-color:2px solid #949494;--input-active-border-color:2px solid #005eb8;--input-active-outline-color:2px solid #005eb8;--input-error-color:#BF2155;--input-error-outline-color:#BF2155;--input-label-margin-bottom:8px;--input-text-color:#717171;--input-label-color:#717171;--structured-text-border-color:#6e7275;--structured-text-border-light-color:#ffffff;--header-bottom-border:0.0625rem solid #C6C4C4;--footer-icon-color:#565a5d;--footer-icon-hover-color:#31373d;--footer-disclosure-color:#565a5d;--footer-social-icon-color:#565a5d;--dropdown-border-color:#0B6EF7;--dropdown-box-shadow:0.125rem 0.375rem 0.25rem rgba(0, 0, 0, 0.2);--dropdown-border:0.3rem solid;--dropdown-bg:#ffffff;--dropdown-default-color:#6e7275;--dropdown-default-weight:400;--dropdown-default-style:italic;--dropdown-padding:0;--dropdown-padding-top:2.5rem;--dropdown-margin-bottom:0;--dropdown-min-width:13.3125rem;--dropdown-max-height:12rem;--dropdown-line-height:1.5rem;--dropdown-link-bg:transparent;--dropdown-menu-border:0.0625rem solid #C6C4C4;--dropdown-item-color:#101820;--dropdown-item-hover-color:#0B6EF7;--dropdown-item-font-size:0.8rem;--dropdown-item-padding:0.75rem 1.5rem;--dropdown-weight:600;--select-dropdown-arrow-color:#005eb8;--select-dropdown-bg-color:transparent;--select-dropdown-color:#005eb8;--select-dropdown-label-color:#041e42;--select-dropdown-label-font-size:1.125rem;--select-dropdown-label-line-height:1.75rem;--select-dropdown-label-margin-bottom:none;--select-dropdown-option-bg-color:#f1f1f0;--select-dropdown-box-shadow:none;--select-dropdown-select-padding:0.375rem 1.75rem 0.375rem 0;--select-dropdown-box-border-bottom:0.063rem dashed #000000;--select-dropdown-option-padding:0.5rem 1.5rem;--select-dropdown-box-border:none;--select-dropdown-box-border-left-radius:none;--select-dropdown-box-border-right-radius:none;--select-dropdown-option-hover-color:#005eb8;--select-dropdown-option-hover-bg:#f1f1f0;--select-dropdown-active-bg-color:#005eb8;--select-dropdown-active-color:#ffffff;--select-dropdown-select-fontsize:1.125rem;--select-dropdown-option-fontsize:1rem;--login-panel-bg:#f5f7f8;--login-box-link:#005eb8;--l3nav-item-max-width:12.5rem;--l3nav-item-margin-right:3rem;--l3nav-item-padding-bottom:0.3125rem;--l3nav-hover-color:#005eb8;--l3-nav-dropdown-menu-bg-color:#F6F6F6;--l3-nav-sticky-border:1px solid #8c8e90;--navigation-side-menu-max-width:21.875rem;--navigation-login-panel-max-width:24.25rem;--overlay-bg:rgba(0, 0, 0, 0.4);--z-index-dropdown:1020;--z-index-skip-to-main:1040;--z-index-side-nav:1030;--z-index-overlay:1000;--z-index-dialog:1080;--banner-bg:#FBF0E5;--banner-icon-color:#D56B01;--alert-bg:#AE0808;--alert-banner-bg-color:#002f6c;--spinner-color:#005eb8;--cross-promo-breaker-vertical-divider-color:0.125rem solid #6e7275;--accordion-drawer-hr-border:1px solid #c1c3c3;--accordion-drawer-hr-opacity:1;--accordion-drawer-icon-color:#005eb8;--accordion-drawer-button-color:#101820;--accordion-drawer-button-color-inverse:#ffffff;--accordion-drawer-hover-color:#e2e4e5;--accordion-drawer-text-hover-color:#005eb8;--accordion-drawer-text-hover-color-inverse:#005eb8;--accordion-drawer-open-text-color:#101820;--promo-breaker-animation-border-color:#ffffff;--promo-breaker-animation-icon-color:#ffffff;--promo-breaker-dot-circle-bg-color:#f4faff;--promo-breaker-play-pause-btn-color:#757575;--dialog-box-shadow:0 0.375rem 0.25rem 0.25rem rgba(0, 0, 0, 0.2);--spotlight-image-text-overlay-bg:rgba(20, 20, 20, 0) 3%,rgba(0, 0, 0, 0.45) 20%;--cross-promotion-single-media-bg:#f5f7f8;--media-block-media-bg:#005eb8;--inline-media-border-radius:1.25rem;--video-control-bar-color:#041E42;--video-play-progress-color:#ffffff;--video-load-progress-color:#002f6c;--video-play-icon-bg:#005eb8;--video-container-min-width:29.0625rem;--video-container-small-min-width:17.5rem;--media-block-text-color-primary:#101820;--media-block-text-color-secondary:#ffffff;--media-block-text-color-neutral:#101820;--media-block-text-color-light:#ffffff;--media-block-text-color-dark:#ffffff;--media-block-link-text-color-primary:#005eb8;--media-block-link-text-color-secondary:#ffffff;--media-block-link-text-color-neutral:#005eb8;--media-block-link-text-color-light:#ffffff;--media-block-link-text-color-dark:#ffffff;--carousal-arrow-btn-primary-border-color:#717171;--solution-finder-divider-border:0.063rem dashed #c6c6c6;--solution-finder-cta-padding-top:2.5rem;--solution-finder-cta-column-width:8.33333%;--solution-finder-arrow-icon-offset:20%;--author-name-color:#041E42;--author-title-color:#63666a;--drop-cap-color:#002f6c;--icon-grey-color:#AAAAAA;--pull-quote-bar-color:#002f6c;--tags-section-divider-color:#d0d0ce;--tags-color:#000000;--tags-bg-color:#F1F1F0;--tags-hover-color:#ffffff;--tags-bg-hover-color:#005EB8;--ccb-tags-dark-theme-color:#041E42;--ccb-tags-light-theme-color:#005EB8;--ccb-author-job-title-color:#d0d0de;--tag-button-outline:0.0625rem dashed #262626;--tag-button-outline-inverse:0.0625rem dashed #ffffff;--pricing-slider-color:#A9431E;--pricing-slider-disabled-color:#717171;--pricing-slider-description-color:#565a5d;--pricing-slider-background-color:#949494;--pricing-slider-focus-color:#8F2C00;--feature-block-brand-bar-color:#005eb8;--feature-block-padding:2rem 0;--feature-block-padding-at-768:1rem 0;--product-tabs-border:1px solid #c1c3c3;--product-tabs-hover-color:#71b8ff33;--product-tabs-focus-color:#002f6c;--product-tabs-vertical-border:3px solid #002f6c;--product-tabs-mobile-vertical-border:2px solid #002f6c;--product-tabs-transparent-border:3px solid transparent;--product-tabs-style-underline-border:3px solid #002f6c;--carousel-slide-border:0.0625rem solid transparent;--carousel-slide-first-child-border:0.0625rem solid transparent;--carousel-slide-first-child-hover-border:0.0625rem solid var(--cta-disabled-bg);--carousel-slide-first-child-box-shadow:0 0 1rem 0.75rem rgba(228, 228, 228, 0.5);--video-carousel-dialog-title-color:#041E42;--video-carousel-dialog-background:rgba(0, 0, 0, 0.5);--video-carousel-dialog-close-icon-color:#ffffff;--video-carousel-play-button-background:#005eb8;--link-list-divider-color:#B4BCC6;--tile-overlay-color:#0000008C;--tile-content-color:#101820;--tile-content-color-inverse:#ffffff;--tile-content-hover-color:#ffffff;--tile-content-hover-color-inverse:#101820;--tile-bg-hover:#005eb8;--tile-bg-hover-inverse:#ffffff;--tile-bg-dynamic:#000000;--video-play-button-background:#005eb8;--breadcrumb-icon-paddingx:1rem;--single-homepage-hero-bg:#005eb8;--classic-hero-mobile-content-bg-color:#ffffff;--flip-card-border:#005eb8 solid 1px;--flip-card-icon-color:#005eb8;--flip-card-details-button:#71B8FF33;--flip-card-details-button-bg:transparent;--flip-card-front-bg:#ffffff;--flip-card-back-bg:#ffffff;--flip-card-theme-color:#101820;--flip-icon-text-color:#005EB8;--flip-icon-inverse-text-color:#ffffff;--flip-card-width-desktop:22.25rem;--flip-card-width-mobile:17.375rem;--flip-card-title-margin-bottom-desktop:1.25rem;--flip-card-title-margin-bottom-mobile:1rem;--flip-card-container-title-padding-bottom-desktop:1.5rem;--flip-card-container-title-padding-bottom-mobile:1.5rem;--flip-card-padding-between-cards:1rem;--flip-card-text-padding:1.25rem;--flip-card-text-padding-mobile:1.25rem;--flip-card-image-height-desktop:6rem;--flip-card-image-width-desktop:6rem;--flip-card-image-height-mobile:6rem;--flip-card-image-width-mobile:6rem;--flip-card-image-padding-top-desktop:2.5rem;--flip-card-image-padding-top-mobile:1.5rem;--flip-card-image-margin-bottom-desktop:2rem;--flip-card-image-margin-bottom-mobile:1.5rem;--flip-card-body-text-color:#565a5d;--flip-card-link-color:#005eb8;--flip-card-link-hover-color:#005eb8;--flip-card-cta-primary-color:#ffffff;--flip-card-cta-primary-bg-color:#0060f0;--flip-card-cta-primary-hover-color:#ffffff;--flip-card-cta-primary-hover-color-bg:#0A4386;--flip-card-cta-secondary-color:#0060f0;--flip-card-cta-secondary-hover-color:#0A4386;--flip-card-cta-secondary-border-color:0.125rem solid #005eb8;--flip-card-cta-tertiary-color:#041E42;--flip-card-cta-tertiary-hover-color:#005eb8;--flip-card-mds-cta-primary-color:#ffffff;--flip-card-mds-cta-primary-color-bg:#0060f0;--flip-card-mds-cta-primary-hover-color:#ffffff;--flip-card-mds-cta-primary-hover-color-bg:#0A4386;--flip-card-mds-cta-secondary-border-color:0.125rem solid #0060f0;--flip-card-mds-cta-secondary-color:#0060f0;--flip-card-mds-cta-hover-secondary-color-bg:#0060F014;--flip-card-mds-cta-hover-tertiary-color-bg:#0060F014;--flip-card-mds-cta-secondary-hover-color:#0A4386;--flip-card-mds-cta-secondary-hover-border-color:0.125rem solid #0A4386;--flip-card-mds-cta-tertiary-color:#0060f0;--flip-card-mds-cta-tertiary-hover-color:#0A4386;--flip-card-cta-ada-outline:0.0625rem dashed 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class="sc-bf508aa2-1 hFgMLi">Travel</span></span></button><ul role="menu" class="sc-7f075714-0 sc-bf508aa2-2 fbRFDU dbTKAQ mds-m-0 mds-pos-absolute dropdown-sub-menu mds-left-0"><li role="none"><a href="/travel" role="menuitem" data-pt-name="hd_sm_fs_travel" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-bf508aa2-4 feTsoM mds-d-block mds-text-nowrap" lang="en" aria-current="false" aria-hidden="false"><span>Travel</span></a></li></ul></div></li></ul></nav></div></div></div></div></div></header><div></div><main id="main" class="sc-6c012ee5-0 daVLGs mds-pb-5"><script type="application/ld+json">{"datePublished":"2020-11-19","image":"https://www.chase.com/content/services/structured-image/image.desktop.jpg/chase-ux/bodycopy/primary/personal/mortgage/guide-to-jumbo-loan-down-payments-ec-hero.jpg","@type":"Article","author":{"@type":"Organization","name":"J.P. Morgan Chase"},"description":"FHA loans are great for first-time homebuyers with lower incomes and credit scores. This guide will help you understand what an FHA loan is and how to apply for one.","publisher":{"@type":"Organization","name":"J.P. Morgan Chase","logo":{"@type":"ImageObject","url":"https://www.chase.com/etc/designs/chase-ux/css/img/newheaderlogo.svg"}},"dateModified":"2020-11-19","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.chase.com/personal/mortgage/education/financing-a-home/how-to-qualify-for-fha-loan"},"@context":"https://schema.org","headline":"How to qualify for an FHA loan"}</script><div class="sc-616a4ab6-1 sc-616a4ab6-3 dduXkv gayENa"><div class="sc-e7fd29a-0 bQulME"><div class="sc-616a4ab6-1 sc-616a4ab6-3 dduXkv gayENa"><div class="mds-container"><div class="mds-ai-center mds-row mds-no-gutters"><div class="mds-col-12"><nav aria-label="Breadcrumb"><ol class="sc-e7fd29a-1 gjGpJZ mds-m-0 mds-fw-wrap mds-d-flex mds-ai-center mds-visible"><li class="sc-e7fd29a-2 ceMxpI mds-d-inline-flex mds-mt-at-992-0"><span aria-current="false" class="sc-e7fd29a-3 jwqeqm"><a href="/personal/education" data-pt-name="lnk_brd_education-center" rel="noopener" class="link btn-link btn-not-inverse 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mds-d-inline-flex mds-mt-at-992-0"><span aria-current="page" class="sc-e7fd29a-3 jwqeqm"><a href="/personal/mortgage/education/financing-a-home" data-pt-name="lnk_brd_financing-a-home" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-text-wrap mds-text-break mds-body-small mds-mr-0" aria-hidden="false">Financing a home</a></span></li></ol></nav></div></div></div></div></div></div><article data-feature="ccb-article" class="sc-c9e24da1-0 gijQBJ"><div class="sc-616a4ab6-1 sc-616a4ab6-3 dduXkv gayENa"><div class="sc-691b14a8-1 iTokyW mds-py-5 mds-px-0"><div class="mds-container"><div class="mds-no-gutters mds-jc-center mds-row"><div class="mds-text-break mds-col mds-col-at-768-10"><div class="sc-691b14a8-9 ewXLBa mds-pb-5 mds-mb-5"><h1 class="mds-pb-0"><span class="mds-pb-0 mds-headline-small-heavier">FHA loan: requirements, limits and how to qualify</span></h1><div class="sc-691b14a8-10 fcCbFw"></div></div><div class="mds-d-flex mds-ai-center mds-jc-flex-start mds-mb-4"><span class="sc-691b14a8-11 knDACX"><span class="mds-body-medium mds-pb-0"><span class="mds-invisible"><span class="sc-138175b4-0 fwyxwg"><span class="accessible-text">Time to read</span><i class="sc-b5964c44-0 dwNfbk mds-chase-icons mds-pe-none ico_clock_waiting" aria-hidden="true"></i></span><span> min</span></span></span></span></div></div></div></div></div></div><div class="sc-29ea806e-3 gEZOuM mds-container-at-768 mds-top-0 mds-pos-sticky"><ul class="sc-7f075714-0 sc-29ea806e-1 fbRFDU jKavcU mds-d-flex mds-fd-row mds-fd-at-992-column mds-ai-start mds-d-print-none mds-pt-at-992-7"></ul></div><div class="sc-691b14a8-1 iTokyW mds-container-at-768 mds-px-0"><div class="mds-container" data-feature="inline-media"><div class="mds-d-flex mds-fd-column-reverse"><div class="mds-jc-center mds-row mds-no-gutters"><div class="mds-col-12 mds-col-at-992-10"><div class="w-100 h-100 mds-mr-at-992-7"><picture class="sc-45f8bb12-0 iIifbk"><source srcSet="/content/services/rendition/image.large.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg" media="(min-width: 1200px)"/><source srcSet="/content/services/rendition/image.medium.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg" media="(min-width: 992px)"/><source srcSet="/content/services/rendition/image.small.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg" media="(min-width: 768px)"/><source srcSet="/content/services/rendition/image.mobile.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg" media=""/><img src="/content/services/rendition/image.large.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE w-100 h-100"/></picture></div></div></div></div></div></div><div class="mds-pt-7"><div><div class="sc-691b14a8-1 iTokyW mds-container-at-768 mds-px-0"><div data-feature="basic-text" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 dduXkv cmatBB sc-616a4ab6-0"><div class="sc-a13a1b2c-1 kKcKZ mds-jc-center mds-no-gutters mds-row"><div class="mds-text-break mds-col mds-col-at-768-10 mds-px-4 mds-px-at-768-0"><div class="sc-a13a1b2c-0"><div class="sc-72d22960-0 laiGnD"><h2>Quick insights</h2> <ul> <li>FHA loans are mortgage loans insured by the Federal Housing Administration (FHA), making them an appealing option for first-time homebuyers or individuals looking for a lower down payment option.</li> <li>FHA loans tend to have lower qualification standards and require a minimum down payment of 3.5%, making homeownership more accessible for borrowers with lower credit scores or past financial difficulties.</li> <li>There are different loan options for various borrowers, including homebuyers looking to improve the energy efficiency of their home or purchase a home in need of repairs.</li> </ul> <p>As a first-time homebuyer or someone simply looking for a loan with flexible lending requirements, the whole experience may feel overwhelming with no clear answer. The good news is, the more you learn about the different loan types, the closer you are to understanding which one is best for you. This leads us to FHA loans.</p> <p>The Federal Housing Administration (FHA) is one of the biggest insurers of mortgages for families in the U.S. FHA loans could be a potential benefit for first-time homebuyers or homebuyers wanting a lower down payment option. Read on to learn more about FHA loans, how they work and how you might qualify.</p> <h2>What is an FHA loan?</h2> <p>An FHA loan is a mortgage loan insured by the <a class="chaseanalytics-track-link" data-pt-name="lnk-m-federal-housing-administration" href="https://www.hud.gov/federal_housing_administration" target="_blank">Federal Housing Administration</a>. According to the U.S. Department of Housing and Urban Development (HUD), you can get an FHA loan allowing you to pay a down payment as low as 3.5% of the purchase price<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-hud-loan-24">ec-hud-loan-24</span>. This is available for 1-4 unit properties, making this loan type an appealing option for first-time homebuyers or anyone looking to put a smaller down payment. While the FHA does guarantee these loans, they’re not the actual mortgage lender. Only FHA-approved lenders can provide FHA loans.</p> <h3>FHA vs. conventional loan</h3> <p>There are a few differences between <a data-pt-name="lnk-m-fha-vs-conventional-loans" href="/personal/mortgage/education/financing-a-home/fha-vs-conventional-loans" target="_self" class="chaseanalytics-track-link">FHA loans and conventional loans</a>. Unlike FHA loans, conventional loans are not insured by a federal agency, but the biggest difference between the two is their qualifications. FHA loans usually require a 3.5% minimum down payment and a minimum credit score that may vary by lender. Conventional loans vary when it comes to down payment but may require a higher credit score and greater savings.</p> <p>According to MarketWatch, FHA does not have income limits; however, lenders need to know that you have a consistent monthly income. You will need to explain any gaps in your employment history within the last two years<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-loan-requirements">ec-fha-loan-requirements</span>. For most mortgages, whether conventional or FHA, you must be at least three years removed from financial hardships related to foreclosures. The lender must see an improvement in your financial habits and will consider your credit score.</p> <p>When it comes to FHA loans, there are <a class="chaseanalytics-track-link" data-pt-name="lnk-m-how-get-assistance-with-down-payment" href="/personal/mortgage/education/buying-a-home/how-get-assistance-with-down-payment" target="_self">down payment assistance programs</a> out there to help you. Conventional loans, however, may not offer the same help. On top of this, conventional loans don’t require mortgage insurance if your down payment is 20 percent or more. If your down payment isn’t higher than 20 percent, lenders will usually require you to pay <a class="chaseanalytics-track-link" data-pt-name="lnk-m-what-is-pmi-calculated" href="/personal/mortgage/education/financing-a-home/what-is-pmi-calculated" target="_self">private mortgage insurance (PMI)</a>. FHA loans typically require monthly mortgage insurance premium (MIP) regardless of the down payment.</p> <p>Debt-to-income ratio (DTI) is taken into consideration as well. Your <a class="chaseanalytics-track-link" data-pt-name="lnk-cc-what-is-debt-to-income-ratio-and-why-it-is-important" href="/personal/credit-cards/education/basics/what-is-debt-to-income-ratio-and-why-it-is-important" target="_self">DTI</a> is the money you owe versus the amount of money you make. According to The Mortgage Reports, conventional loans usually allow a maximum DTI of 43% - meaning your debts take up no more than 43% of your gross monthly income. In some cases, FHA loans allow for a higher DTI of up to 50%<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-conventional-loan-vs-fha-loan">ec-fha-conventional-loan-vs-fha-loan</span>.</p> <h2>How do FHA loans work?</h2> <p>FHA loans can give people with lower incomes or those with lower credit scores the ability to become homeowners. But how exactly do they work? The process looks similar to most other mortgages. You can apply for an FHA loan by:</p> <ol> <li><strong>Finding FHA-approved lenders.</strong> Shopping around and seeing what lenders may offer you the most competitive interest rate could potentially work in your favor. You might consider going through a <a class="chaseanalytics-track-link" data-pt-name="lnk-m-get-mortgage-prequalify" href="/personal/mortgage/education/buying-a-home/get-mortgage-prequalify" target="_self">mortgage prequalification</a> or preapproval process during this step. Please note that Chase does not offer mortgage prequalification.</li> <li><strong>Prepare your documentation.</strong> Before you <a class="chaseanalytics-track-link" data-pt-name="lnk-m-fha-loan" href="/personal/mortgage/fha-loan" target="_self">apply for an FHA loan</a>, make sure you have everything you need for the application in order, which goes for any mortgage option. Speak with a lending adviser to understand <a class="chaseanalytics-track-link" data-pt-name="lnk-m-documents-needed-for-mortgage" href="/personal/mortgage/education/financing-a-home/documents-needed-for-mortgage" target="_self">what you’ll need</a>. You’ll typically need personal identification items (passport, ID, Social Security number), proof of income, employment status, current and future home address, and your projected <a class="chaseanalytics-track-link" data-pt-name="lnk-m-fha-loan-down-payments-decoded" href="/personal/mortgage/education/financing-a-home/fha-loan-down-payments-decoded" target="_self">FHA down payment</a> amount, among other things.</li> <li><strong>Submit your application.</strong> This can typically be done online or in person. If you require assistance with your application, most lenders have experts who can help walk you through the process.</li> <li><strong>Closing.</strong> If you meet the minimum requirements and provide the necessary documentation, you’ll hopefully receive an approval letter from your lender. At this step, it’s important to review your offer. Once you feel comfortable moving forward with the purchase of your property, you can go ahead with the <a class="chaseanalytics-track-link" data-pt-name="lnk-m-fha-loan-closing-costs" href="/personal/mortgage/education/financing-a-home/fha-loan-closing-costs" target="_self">FHA loan closing process</a>.</li> </ol> <p>FHA-approved lenders require you to pay mortgage insurance as part of your closing costs. The borrower is typically responsible for paying two FHA mortgage insurance fees:</p> <ul> <li><strong>An upfront mortgage insurance premium:</strong> According to the U.S. Department of Housing and Urban Development (HUD), your upfront MIP payment will be equal to 1.75% of the base loan amount<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-mortgage-insurance-premiums">ec-fha-mortgage-insurance-premiums</span>.</li> <li><strong>An annual mortgage insurance premium:</strong> According to Investopedia, borrowers have to pay ongoing MIP, which ranges from 0.45% to 1.05% of the total loan amount. This premium varies with the loan term (15 or 30 years), loan amount and down payment<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-up-front-mortgage-insurance">ec-fha-up-front-mortgage-insurance</span>. The annual premium is divided over a 12-month period and payments are made monthly and may be required for the entire term of the loan.</li> </ul> <p>For example, let's say you take out an FHA loan for $250,000. Your annual MIP would be somewhere between $2,625 ($218.75/month) and $1,125 ($93.75/month), depending on the term of the loan (30 or 15 years). The annual mortgage insurance premium may not be cancelled and is for the life of the loan or 11 years depending on the term of the loan.</p> <h2>Types of FHA loans</h2> <p>While there are many different types of FHA loans, there are five of the most common:</p> <ol> <li><strong>Basic home mortgage 203(b):</strong> This is what most would likely imagine when they think of an FHA loan. It’s common for first-time homebuyers purchasing their primary residence and allows a down payment as low as 3.5%. The home must meet certain HUD appraisal standards.</li> <li><strong>FHA’s energy-efficient mortgage:</strong> This is meant for homebuyers or homeowners looking to refinance and improve the energy efficiency of their home. <a data-pt-name="lnk-m-energy-efficient-mortgage" href="/personal/mortgage/education/financing-a-home/energy-efficient-mortgage" target="_self" class="chaseanalytics-track-link">This particular mortgage</a> will cover the price of the home and what is leftover is meant to be used for energy-efficient improvements. There are limits on how much you can borrow and what energy improvements qualify. A home energy rater must assess and approve as a part of the mortgage process.</li> <li><strong>203(k) rehab mortgage:</strong> This is used to help purchase (or refinance) a home in need of repairs. According to the U.S. Department of Housing and Urban Development (HUD), Section 203(k) insures mortgages covering the purchase or refinancing and rehabilitation of a home that is at least a year old<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-rehabilitation-mortgage-insurance-program">ec-fha-rehabilitation-mortgage-insurance-program</span>. A portion of the loan proceeds are used to pay the seller, or, if a refinance, to pay off the existing mortgage, and the remaining funds are placed in an escrow account and released when the rehabilitation is completed. Please note that the 203(k) rehab loan is not a product offered by Chase.</li> <li><strong>Mortgage insurance for disaster victims section 203(h):</strong> Americans who have lost their home in certain types of disasters may qualify for this FHA loan. It requires no down payment and must have been your primary residence that you were residing in during the disaster. The home must be damaged enough that it requires reconstruction or replacement.</li> <li><strong>Good neighbor next door:</strong> This program helps people in certain vocations such as teachers, law enforcement and medical professionals purchase HUD foreclosure homes in designated revitalization areas at a discount.</li> </ol> <h2>FHA loans pros and cons</h2> <p>Before you choose what type of loan you’ll use, it's important to weigh the pros and cons. Naturally, buying a home is a major financial commitment and there’s much to consider.</p> <h3>Advantages of an FHA Loan</h3> <ul> <li><strong>Lower qualification standards:</strong> FHA loans are often easier to get than other types of loans. If you have had issues with your credit or a <a data-pt-name="lnk-m-mortgage-after-bankruptcy" href="/personal/mortgage/education/financing-a-home/mortgage-after-bankruptcy" target="_self" class="chaseanalytics-track-link">bankruptcy in your past</a>, this option might be right for you.</li> <li><strong>Lower down payment:</strong> This is one of the main draws of an FHA loan. With as little as 3.5% down, homeownership can become a reality for borrowers who wouldn't otherwise qualify.</li> <li><strong>Competitive interest rates:</strong> FHA loans may offer interest rates at or below conventional loan rates. This can help reduce your monthly payment.</li> </ul> <h3>Disadvantages of an FHA loan</h3> <ul> <li><strong>Lower lending limits:</strong> FHA loans have much lower lending limits than traditional loans. If you want to purchase a home above these limits, you'll need to use a different type of loan, put more money down, or find a different house.</li> <li><strong>Mortgage insurance premium</strong>: FHA loans require <a data-pt-name="lnk-m-mortgage-insurance-premium" href="/personal/mortgage/education/financing-a-home/mortgage-insurance-premium" target="_self" class="chaseanalytics-track-link">MIP</a>. The amount you pay depends on the price of your home and your loan-to-value ratio, but MIP will ultimately increase the overall cost of your loan. According to Bankrate, if you meet the eligibility requirements to remove MIP from an FHA loan, your mortgage provider should automatically cancel the premiums once you meet the criteria (a 78% LTV or 11 years, depending on the loan)<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-remove-mortgage-insurance-on-an-fha-loan">ec-fha-remove-mortgage-insurance-on-an-fha-loan</span>. This is assuming that you’re in good standing with a track record of on-time mortgage payments.</li> <li><strong>Primary residence only:</strong> While FHA mortgages can be used for single-family and multi-family homes, they can only be used for your <a data-pt-name="lnk-m-different-types-of-properties" href="/personal/mortgage/education/buying-a-home/different-types-of-properties" target="_self" class="chaseanalytics-track-link">primary residence</a>. This means if you're looking to buy a vacation home or second home, FHA loans won't work for you.</li> </ul> <h2>How to make your FHA loan more affordable</h2> <p>If you currently have an FHA loan, you may be wondering how to make your loan more affordable. FHA streamline refinances<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-refinance-hl000061">ec-refinance-hl000061</span> are exclusive to FHA borrowers and help them with an affordable path to refinancing. <a data-pt-name="lnk-m-fha-streamline-refinance" href="/personal/mortgage/education/financing-a-home/fha-streamline-refinance" target="_self" class="chaseanalytics-track-link">FHA streamline refinances</a> require no credit score checks, no income verifications and home appraisals are typically waived completely. Depending on when you borrowed your FHA loan, you may have access to more competitive interest rates. However, do speak with a home lending advisor to help understand what options are best for you.</p> <h2>In summary</h2> <p>FHA loans are insured by the Federal Housing Administration and are made available to borrowers through FHA-approved lenders. Like any loan, there are pros and cons to financing or refinancing your home using one of these products. You may want to consult a professional to help understand what you may qualify for and what loan type may work best for your specific homeownership goals.</p> <h2>FHA loan FAQs</h2> <h3>1. How many FHA loans can you have?</h3> <p>According to Rocket Mortgage, you can take out more than one FHA loan during your lifetime; however, you can typically only have one FHA loan at a time because you can only have one primary residence<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-how-many-fha-loans-can-you-have">ec-fha-how-many-fha-loans-can-you-have</span>. The FHA department wants to discourage borrowers from taking advantage of the loan program’s lenient requirements and taking out multiple FHA loans to purchase investment properties.</p> <h3>2. Can you buy land with an FHA loan?</h3> <p>According to LendingTree, the Federal Housing Administration (FHA) has loan programs to help finance the purchase of land; however, you can’t purchase land you intend to leave vacant<span style="color: blue;" class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-land-loans-everything-a-buyer-needs-to-know">ec-fha-land-loans-everything-a-buyer-needs-to-know</span>. You will have to commit to building a home on the property or find land with a house already on it, plus you will have to live in it as your primary residence.</p> <h3>3. Can you build a house with an FHA loan?</h3> <p>Yes, you may use your FHA loan to build a house on land you own. FHA construction loans may be a good way to finance building your house, or the FHA Mortgage Insurance Disaster Victims Section 203(h) if you qualify for the help.</p> <h3>4. Is an FHA loan only for first-time homebuyers?</h3> <p>No, FHA loans are not only for first-time homebuyers. Anyone who meets minimum qualifications for an FHA loan may apply.</p> </div></div></div></div></div></div></div></div></div></div></div><div class="sc-691b14a8-1 iTokyW mds-container-at-768"><div class="mds-jc-center mds-row mds-no-gutters"><div class="sc-616a4ab6-1 sc-616a4ab6-4 dduXkv iPmVBm mds-col-12 mds-col-at-768-10"><div class="mds-d-flex mds-jc-center mds-pos-relative mds-p-5"><div class="sc-691b14a8-2 bdOuTH mds-jc-center mds-row mds-no-gutters"><div class=" mds-mb-at-768-0 mds-col-12 mds-col-at-768-12"><div class="sc-691b14a8-8 eewdiz h-100"><div class="sc-691b14a8-4 cCZaHg mds-d-flex mds-jc-center h-100"><div class="mds-d-flex mds-jc-center mds-fd-column h-100 mds-ai-center mds-text-center"><div class="sc-72d22960-0 ftvATe"><h2 style="text-align: center;">Take the first step and get preapproved.<span class="disclosure" data-disclosure-url="/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/results-do-not-guarantee"></span></h2> </div><div class="mds-d-flex mds-ai-at-768-end h-100"><a href="https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;sourceCode=replaceSourceCode;SourceCode=replaceSourceCode/index/index" data-pt-name="btn-start_online" rel="noopener" class="btn-green-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-py-3" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-green-primary-button-text btn-not-inverse">Start Online</span></a></div></div></div></div></div><div class=" mds-mb-at-768-0 mds-col-12 mds-col-at-768-12"><div class="sc-691b14a8-8 lmKWJq h-100"><div class="sc-691b14a8-4 cCZaHg mds-d-flex mds-jc-center h-100"><div class="mds-d-flex mds-jc-center mds-fd-column h-100 mds-ai-center mds-text-center"><div class="sc-72d22960-0 ftvATe"><h2 style="text-align: center;">Have questions? Connect with a home lending expert today!</h2></div><div class="mds-d-flex mds-ai-at-768-end h-100"><a href="https://homelendingadvisor.chase.com/" data-pt-name="Relationship 3 icon" rel="noopener" class="btn-mds-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-py-3" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-mds-primary-button-text btn-not-inverse">Find Your Local HLA</span></a></div></div></div></div></div></div></div></div></div></div><div class="sc-691b14a8-1 iTokyW mds-container-at-768 mds-px-0"><div class="mds-container"><div class="mds-jc-center mds-row mds-no-gutters"><hr aria-hidden="true" class="sc-6067898e-0 gGOWiZ mds-mb-4 mds-mt-8 mds-col-at-992-10"/><div class="mds-col-at-992-10"><div class="sc-6067898e-1 cEQjSz mds-d-at-576-flex mds-body-medium"><h2 class="mds-body-medium-heavier mds-d-inline mds-d-at-576-inline-flex mds-pt-3">Topics:</h2><ul class="mds-d-inline mds-d-at-576-inline-flex mds-pl-5 mds-fw-wrap"><li class="mds-d-inline-flex mds-pr-3 mds-mb-3 mds-ai-center"><a href="/personal/mortgage/education/topic-page?tagname=homebuying&tagtitle=homebuying&articleName=homebuying" data-pt-name="lnk_at_homebuying" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-6067898e-2 bPXKRK mds-text-decoration-none mds-px-3 mds-py-2" aria-hidden="false">homebuying</a></li><li class="mds-d-inline-flex mds-pr-3 mds-mb-3 mds-ai-center"><a href="/personal/mortgage/education/topic-page?tagname=mortgage-options&tagtitle=mortgage%20options&articleName=mortgage-options" data-pt-name="lnk_at_mortgage-options" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-6067898e-2 bPXKRK mds-text-decoration-none mds-px-3 mds-py-2" aria-hidden="false">mortgage options</a></li></ul></div></div></div></div></div></article><div class="mds-container-at-768 mds-px-0"><div class="mds-container"><div class="sc-616a4ab6-1 sc-616a4ab6-2 dduXkv cmatBB sc-370ec165-0 gymfHd"><div class="mds-row mds-no-gutters"><div class="mds-col-at-992-12"><div class="mds-d-flex mds-jc-space-between mds-pl-4 mds-pl-at-992-0 mds-pb-at-576-6_7 mds-row mds-no-gutters"><div class="mds-offset-at-992-1"><div class="sc-72d22960-0 ftvATe"><h2><span class="mds-title-xlarge-heavier">What to read next</span></h2></div></div></div></div></div><hr aria-hidden="true" class="mds-mb-6"/><div class="mds-pb-6_7 mds-row mds-no-gutters"><div class="w-100"><ul id="fogrid-page-1" class="sc-370ec165-3 heClPI mds-d-flex mds-fw-wrap mbs-my-6"><li tabindex="-1" class="sc-370ec165-4 iJhSrq"><div class="mds-d-flex mds-fd-column h-100"><a href="/personal/mortgage/education/financing-a-home/how-to-find-a-mortgage-lender" data-pt-name="lnk_fog_how-to-find-a-mor" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-370ec165-14 hWIEnh" aria-hidden="false"><div class="mds-d-flex mds-fd-column mds-pe-none"><div class="sc-1ec1286a-0 sc-370ec165-12 gjqnu cGqqYv text-dark"><h3><span class="mds-body-small-heavier"><span class="sc-370ec165-11 gYakgJ mds-pb-5 mds-d-block"></span></span><span class="mds-title-medium-heavier"><span class="mds-pb-4 mds-d-block"><div class="sc-72d22960-0 ftvATe">How to find a mortgage lender</div></span></span></h3></div><div class="sc-1ec1286a-0 sc-370ec165-2 gjqnx cNkUxY mds-mb-4 mds-d-flex"><img src="/content/services/rendition/image.xsmall.jpg/unified-assets/photography/articles/primary/mortgage/how-to-find-a-mortgage-lender-100224.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE w-100"/></div></div></a><div class="sc-1ec1286a-0 sc-370ec165-13 gjqnv bFJQgq"><div class="mds-body-large mds-pb-4"> </div></div><div class="sc-1ec1286a-0 gjqnA"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-col"><a href="/personal/mortgage/education/financing-a-home/how-to-find-a-mortgage-lender" data-pt-name="lnk_fog_how-to-find-a-mor" rel="noopener" class="mds-px-0 btn-secondary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-jc-left" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-secondary-button-text btn-not-inverse">Continue</span><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_arrow_right" style="--icon-color:--cta-secondary-color;--icon-hover-color:--cta-secondary-hover-color" aria-hidden="true"></i><span class="sc-5ed86311-0 gbpywr accessible-text">, How to find a mortgage lender</span></a></div></div></div></div></li><li tabindex="-1" class="sc-370ec165-4 iJhSrq"><div class="mds-d-flex mds-fd-column h-100"><a href="/personal/mortgage/education/financing-a-home/questions-to-ask-mortgage-lenders" data-pt-name="lnk_fog_questions-to-ask-" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-370ec165-14 hWIEnh" aria-hidden="false"><div class="mds-d-flex mds-fd-column mds-pe-none"><div class="sc-1ec1286a-0 sc-370ec165-12 gjqnu cGqqYv text-dark"><h3><span class="mds-body-small-heavier"><span class="sc-370ec165-11 gYakgJ mds-pb-5 mds-d-block"></span></span><span class="mds-title-medium-heavier"><span class="mds-pb-4 mds-d-block"><div class="sc-72d22960-0 ftvATe">Questions to ask mortgage lenders</div></span></span></h3></div><div class="sc-1ec1286a-0 sc-370ec165-2 gjqnx cNkUxY mds-mb-4 mds-d-flex"><img src="/content/services/rendition/image.xsmall.jpg/unified-assets/photography/articles/primary/mortgage/seo_questions-to-ask-mortgage-lenders_093024.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE w-100"/></div></div></a><div class="sc-1ec1286a-0 sc-370ec165-13 gjqnv bFJQgq"><div class="mds-body-large mds-pb-4">Choosing a mortgage lender will be a significant decision. Explore these questions to ask a mortgage lender at the beginning of the homebuying process.</div></div><div class="sc-1ec1286a-0 gjqnA"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-col"><a href="/personal/mortgage/education/financing-a-home/questions-to-ask-mortgage-lenders" data-pt-name="lnk_fog_questions-to-ask-" rel="noopener" class="mds-px-0 btn-secondary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-jc-left" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-secondary-button-text btn-not-inverse">Continue</span><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_arrow_right" style="--icon-color:--cta-secondary-color;--icon-hover-color:--cta-secondary-hover-color" aria-hidden="true"></i><span class="sc-5ed86311-0 gbpywr accessible-text">, Questions to ask mortgage lenders</span></a></div></div></div></div></li><li tabindex="-1" class="sc-370ec165-4 iJhSrq"><div class="mds-d-flex mds-fd-column h-100"><a href="/personal/mortgage/education/financing-a-home/debt-to-income-ratio" data-pt-name="lnk_fog_debt-to-income-ra" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-370ec165-14 hWIEnh" aria-hidden="false"><div class="mds-d-flex mds-fd-column mds-pe-none"><div class="sc-1ec1286a-0 sc-370ec165-12 gjqnu cGqqYv text-dark"><h3><span class="mds-body-small-heavier"><span class="sc-370ec165-11 gYakgJ mds-pb-5 mds-d-block"></span></span><span class="mds-title-medium-heavier"><span class="mds-pb-4 mds-d-block"><div class="sc-72d22960-0 ftvATe">What is debt-to-income ratio (DTI) and how does it affect your mortgage?</div></span></span></h3></div><div class="sc-1ec1286a-0 sc-370ec165-2 gjqnx cNkUxY mds-mb-4 mds-d-flex"><img src="/content/services/rendition/image.mobile.jpg/content/dam/unified-assets/photography/articles/primary/mortgage/seo_debt-to-income_20220304.jpg" alt="Debt-to-income ratio video" loading="eager" class="sc-d1f3aa2b-0 hieMvE w-100"/><div class="sc-5214e83a-0 hOuUmc"><div class="sc-5214e83a-1 kRYGac"></div></div></div></div></a><div class="sc-1ec1286a-0 sc-370ec165-13 gjqnv bFJQgq"><div class="mds-body-large mds-pb-4">Your debt-to-income ratio could make or break your chances of getting a mortgage. Understand how it's calculated and why DTI matters for loan approval.</div></div><div class="sc-1ec1286a-0 gjqnA"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-col"><a href="/personal/mortgage/education/financing-a-home/debt-to-income-ratio" data-pt-name="lnk_fog_debt-to-income-ra" rel="noopener" class="mds-px-0 btn-secondary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-jc-left" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-secondary-button-text btn-not-inverse">Continue</span><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_arrow_right" style="--icon-color:--cta-secondary-color;--icon-hover-color:--cta-secondary-hover-color" aria-hidden="true"></i><span class="sc-5ed86311-0 gbpywr accessible-text">, What is debt-to-income ratio (DTI) and how does it affect your mortgage?</span></a></div></div></div></div></li><li tabindex="-1" class="sc-370ec165-4 iJhSrq"><div class="mds-d-flex mds-fd-column h-100"><a href="/personal/mortgage/education/financing-a-home/top-questions-about-mortgage-companies" data-pt-name="lnk_fog_top-questions-abo" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-370ec165-14 hWIEnh" aria-hidden="false"><div class="mds-d-flex mds-fd-column mds-pe-none"><div class="sc-1ec1286a-0 sc-370ec165-12 gjqnu cGqqYv text-dark"><h3><span class="mds-body-small-heavier"><span class="sc-370ec165-11 gYakgJ mds-pb-5 mds-d-block"></span></span><span class="mds-title-medium-heavier"><span class="mds-pb-4 mds-d-block"><div class="sc-72d22960-0 ftvATe">Top questions asked about mortgage companies</div></span></span></h3></div><div class="sc-1ec1286a-0 sc-370ec165-2 gjqnx cNkUxY mds-mb-4 mds-d-flex"><img src="/content/services/rendition/image.xsmall.jpg/unified-assets/photography/articles/primary/mortgage/seo_top-questions-about-mortgage-companies_07302024.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE w-100"/></div></div></a><div class="sc-1ec1286a-0 sc-370ec165-13 gjqnv bFJQgq"><div class="mds-body-large mds-pb-4">Are you planning to buy a home and searching for a mortgage company? Learn some of the top questions asked about mortgage companies from homebuyers like you.</div></div><div class="sc-1ec1286a-0 gjqnA"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-col"><a href="/personal/mortgage/education/financing-a-home/top-questions-about-mortgage-companies" data-pt-name="lnk_fog_top-questions-abo" rel="noopener" class="mds-px-0 btn-secondary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-jc-left" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-secondary-button-text btn-not-inverse">Continue</span><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_arrow_right" style="--icon-color:--cta-secondary-color;--icon-hover-color:--cta-secondary-hover-color" aria-hidden="true"></i><span class="sc-5ed86311-0 gbpywr accessible-text">, Top questions asked about mortgage companies</span></a></div></div></div></div></li></ul></div></div><div class="sc-2070d7ec-0 bIxHdA"><section><nav aria-label="Page Selection" class="mds-pb-6_7"><ul class="sc-7f075714-0 fbRFDU mds-jc-center mds-d-flex mds-ai-center"><li><button aria-label="Previous Page" disabled="" data-pt-name="pg_fogrid_previous" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-link sc-3e78796-1 aYHvI"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse disabled"><i class="sc-b5964c44-0 dwNfbk mds-chase-icons mds-pe-none ico_chevron_left" aria-hidden="true"></i></span></button></li><li><button aria-label="Page 1 of 3" aria-current="true" selected="" data-pt-name="pg_fogrid_1" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-link sc-2070d7ec-1 dBVHXC mds-body-medium"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse">1</span></button></li><li><button aria-label="Page 2 of 3" aria-current="false" data-pt-name="pg_fogrid_2" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-link sc-2070d7ec-1 dBVHXC mds-body-medium"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse">2</span></button></li><li><button aria-label="Page 3 of 3" aria-current="false" data-pt-name="pg_fogrid_3" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-link sc-2070d7ec-1 dBVHXC mds-body-medium"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse">3</span></button></li><li><button aria-label="Next Page" data-pt-name="pg_fogrid_next" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-link sc-3e78796-1 aYHvI"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse"><i class="sc-b5964c44-0 dwNfbk mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></button></li></ul></nav></section></div><hr aria-hidden="true"/></div></div></div></main><footer role="contentinfo"><div class="sc-616a4ab6-1 sc-616a4ab6-2 dduXkv cmatBB mds-pt-6 mds-pt-at-992-7 mds-pb-7"><div class="mds-container"><div class="mds-row"><div class="mds-col-12"><div id="disclosures" tabindex="-1" class="sc-616a4ab6-1 sc-616a4ab6-2 sc-d1bc903d-0 dduXkv cmatBB fAeZU mds-body-small mds-my-6_7 mds-mx-3 mds-mx-at-768-0" data-feature="disclosures"><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">1</sup></p><div class="sc-72d22960-0 ftvATe"><p>U.S. Department of Housing and Urban Development (HUD): “Let FHA Loans Help You”. 2024. <a href="https://www.hud.gov/buying/loans" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk_hud_fha_loan_24">https://www.hud.gov/buying/loans</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">2</sup></p><div class="sc-72d22960-0 ftvATe"><p>MarketWatch: “FHA Loan Requirements (2024 Guide)”. August 9, 2024. <a href="https://www.marketwatch.com/guides/mortgages/fha-loan-requirements/" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-fha-loan-requirements">https://www.marketwatch.com/guides/mortgages/fha-loan-requirements/</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">3</sup></p><div class="sc-72d22960-0 ftvATe"><p>The Mortgage Reports: “Conventional Loan vs. FHA Loan: 2024 Rates and Guidelines”. January 16, 2024. <a href="https://themortgagereports.com/17168/fha-conventional-97-low-downpayment-comparison#debt" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-fha-conventional-loan-vs-fha-loan">https://themortgagereports.com/17168/fha-conventional-97-low-downpayment-comparison#debt</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">4</sup></p><div class="sc-72d22960-0 ftvATe"><p>U.S. Department of Housing and Urban Development (HUD): “Appendix 1.0 – Mortgage Insurance Premiums – HUD”. 2024. <a href="https://www.hud.gov/sites/documents/15-01MLATCH.PDF" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-fha-mortgage-insurance-premiums">https://www.hud.gov/sites/documents/15-01MLATCH.PDF</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">5</sup></p><div class="sc-72d22960-0 ftvATe"><p>Investopedia: “Up-Front Mortgage Insurance (UFMI)”. May 10, 2022. <a href="https://www.investopedia.com/terms/u/up-front-mortgage-insurance-ufmi.asp#:~:text=In%20addition%20to%20the%20UFMI,certain%20amount%20of%20your%20mortgage" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-up-front-mortgage-insurance">https://www.investopedia.com/terms/u/up-front-mortgage-insurance-ufmi.asp#:~:text=In%20addition%20to%20the%20UFMI,certain%20amount%20of%20your%20mortgage</a>.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">6</sup></p><div class="sc-72d22960-0 ftvATe"><p>U.S. Department of Housing and Urban Development (HUD): “203(k) Rehabilitation Mortgage Insurance Program”. 2024. <a href="https://www.hud.gov/program_offices/housing/sfh/203k/203k--df" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-fha-rehabilitation-mortgage-insurance-program">https://www.hud.gov/program_offices/housing/sfh/203k/203k--df</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">7</sup></p><div class="sc-72d22960-0 ftvATe"><p>Bankrate: “How to remove mortgage insurance on an FHA loan”. June 26, 2024. <a href="https://www.bankrate.com/mortgages/remove-fha-mortgage-insurance/#how-to-remove" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-fha-remove-mortgage-insurance-on-an-fha-loan">https://www.bankrate.com/mortgages/remove-fha-mortgage-insurance/#how-to-remove</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">8</sup></p><div class="sc-72d22960-0 ftvATe"><p><strong>Important Notice to Servicemembers and Their Dependents:</strong> A refinance may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about refinancing, please discuss with your Home Lending Advisor.</p> <p> </p> <p>The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">9</sup></p><div class="sc-72d22960-0 ftvATe"><p>Rocket Mortgage: “How Many FHA Loans Can You Have?”. April 3, 2024. <a href="https://www.rocketmortgage.com/learn/how-many-fha-loans-can-you-have" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-fha-how-many-fha-loans-can-you-have">https://www.rocketmortgage.com/learn/how-many-fha-loans-can-you-have</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">10</sup></p><div class="sc-72d22960-0 ftvATe"><p>LendingTree: “Land Loans: Everything a Buyer Needs To Know” June 3, 2024. <a href="https://www.lendingtree.com/home/mortgage/how-to-get-a-land-loan/#:~:text=2.,finance%20the%20purchase%20of%20land" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk-ec-fha-land-loans-everything-a-buyer-needs-to-know">https://www.lendingtree.com/home/mortgage/how-to-get-a-land-loan/#:~:text=2.,finance%20the%20purchase%20of%20land</a></p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">11</sup></p><div class="sc-72d22960-0 ftvATe"><p>A preapproval is based on a review of income and asset information you provide, your credit report and an automated underwriting system review. The issuance of a preapproval letter is not a loan commitment or a guarantee for loan approval. We may offer a loan commitment after you submit an application and we perform a final underwriting review, including verification of any information provided, property valuation and, if applicable, investor approval, which may result in a change to the terms of your preapproval. Preapprovals are not available on all products and may expire after 90 days. Contact a Home Lending Advisor for details.</p> </div></span></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>These articles are for educational purposes only and provide general mortgage information. Products, services, processes and lending criteria described in these articles may differ from those available through JPMorgan Chase Bank N.A. or any of its affiliates. The views expressed in this article do not reflect the official policy or position of (or endorsement by) JPMorgan Chase & Co. or its affiliates. Views and strategies described may not be appropriate for everyone and are not intended as specific advice/recommendation for any individual. Information has been obtained from sources believed to be reliable, but JPMorgan Chase & Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. For more information on available products and services, and to discuss your options, please contact a Chase Home Lending Advisor.<br>  </p> <p>JPMorgan Chase Bank, N.A. Member FDIC</p> </div></div></div></div></div></div><div class="mds-row"><div class="mds-col-4"><div class="mds-pb-6 mds-pb-at-992-7 mds-mb-3 mds-mb-at-992-0"><a href="https://www.chase.com" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven xpins-click link" aria-hidden="false"><img src="/content/dam/unified-assets/logo/chase/chase-logo/additional-file-formats/logo_chase_headerfooter.svg" alt="Chase logo, links to Chase home" loading="lazy" class="sc-d1f3aa2b-0 hieMvE"/></a></div></div></div><div class="mds-row"><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Checking Accounts</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Choose the <a href="https://personal.chase.com/personal/checking" class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_rb_chk-compare">checking account</a> that works best for you. See our <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_rb_chk-total-offer" href="https://account.chase.com/consumer/banking/seo">Chase Total Checking<sup>®</sup></a>  offer for new customers. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Savings Accounts & CDs</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>It’s never too early to begin saving. <a class="chaseanalytics-track-link regular-link" href="https://personal.chase.com/personal/savings" data-pt-name="seo_fs_rb_sav-compare">Open a savings account</a> or open a Certificate of Deposit (<a class="chaseanalytics-track-link regular-link" href="/personal/savings/bank-cd" data-pt-name="seo_fs_rb_sav-cds">see interest rates</a>) and start saving your money.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Credit Cards</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Chase <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cc_comparecc" href="https://creditcards.chase.com/">credit cards</a> can help you buy the things you need. Many of our cards <a class="chaseanalytics-track-link regular-link" href="https://creditcards.chase.com/rewards-credit-cards" data-pt-name="seo_fs_cc_rewards">offer rewards</a> that can be redeemed for <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cc_cashback" href="https://creditcards.chase.com/cash-back-credit-cards">cash back</a> or <a href="https://creditcards.chase.com/travel-credit-cards" class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cc_travel">travel-related</a> perks. With so many options, it can be easy to find a card that matches your lifestyle. Plus, with Credit Journey you can get a <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cc_creditscore" href="/personal/credit-cards/free-credit-score">free credit score</a>!</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Mortgages</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Apply for a <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_hf_mortgage-home" href="/personal/mortgage">mortgage</a> or <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_hf_refi-home" href="/personal/mortgage/mortgage-refinance">refinance your mortgage</a> with Chase. View today’s <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_hf_rates" href="/personal/mortgage/mortgage-rates">mortgage rates</a> or calculate what you can afford with our <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_hf_calculators" href="/personal/mortgage/calculators-resources/mortgage-calculator">mortgage calculator</a>. Visit our <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_hf_education" href="/personal/mortgage/education">Education Center</a> for homebuying tips and more.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Auto</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p><a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_af_home" href="https://autofinance.chase.com/?offercode=WDXDPXXX02">Chase Auto</a> is here to help you get the right car. Apply for <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_af_loan" href="https://autofinance.chase.com/auto-finance/auto-loans?offercode=WDXDPXXX02">auto financing</a> for a new or used car with Chase. Use the <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_af_calculator" href="https://autopreferred.chase.com/garage/auto-loan-calculator?offercode=WDXDPXXX02">payment calculator</a> to estimate monthly payments. Check out the <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_af_education" href="/personal/auto/education?offercode=WDXDPXXX02">Chase Auto Education Center</a> to get car guidance from a trusted source.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Chase for Business</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>With Chase for Business you’ll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and managing payroll. Choose from <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_bb_chk" href="/business/banking/checking">business checking</a>, <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_bb_card" href="https://creditcards.chase.com/business-credit-cards">business credit cards</a>, <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_bb_payments" href="/business/payments">merchant services</a> or visit our <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_bb_resource-cntr" href="/business/knowledge-center">business resource center</a>.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Sports & Entertainment</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Chase gives you access to unique sports, entertainment and culinary events through <a data-pt-name="seo_fs_en_se-experiences" href="/personal/events/experiences" class="chaseanalytics-track-link regular-link">Chase Experiences</a> and our exclusive partnerships such as the <a data-pt-name="seo_fs_en_se-uspoen" href="/personal/events/us-open" class="chaseanalytics-track-link regular-link">US Open</a>, <a data-pt-name="seo_fs_en_se-msg" href="https://www.msg.com/" class="chaseanalytics-track-link regular-link">Madison Square Garden</a> and <a class="chaseanalytics-track-link regular-link" href="/personal/events/chase-center" data-pt-name="seo_fs_en_se-chase-center">Chase Center</a>.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Chase Security Center</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Our <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_pslp" href="/digital/resources/privacy-security">suite of security features</a> can <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_hycp" href="/digital/resources/privacy-security/security/how-you-can-protect">help you protect</a> your info, money and give you peace of mind. See how we're dedicated to helping <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_hvpy" href="/digital/resources/privacy-security/security/how-we-protect-you">protect you</a>, your accounts and your loved ones from <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_fa" href="/digital/resources/privacy-security/financial-abuse">financial abuse</a>. Also, <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_htsc" href="/digital/resources/privacy-security/security/how-to-spot-scams">learn about the common tricks scammers are using</a> to help you stay one step ahead of them. If you see unauthorized charges or believe your account was compromised contact us right away to <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_csc_rf" href="/digital/resources/privacy-security/security/report-fraud">report fraud</a>.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">About Chase</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Chase serves millions of people with a broad range of products. <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_en_abt-chaseonline" href="https://www.chase.com">Chase online</a> lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_en_abt-education" href="/personal/banking/education">Banking Education Center</a>. For questions or concerns, please contact <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_en_abt-customer" href="/digital/customer-service">Chase customer service</a> or let us know about <a data-pt-name="seo_fs_en_abt-complaints" href="/digital/resources/complaints-feedback" class="chaseanalytics-track-link regular-link">Chase complaints and feedback</a>. View the <a class="chaseanalytics-track-link regular-link" href="/digital/resources/about-chase/cra-public-file" data-pt-name="seo_fs_en_ccra-public-file">Chase Community Reinvestment Act Public File</a> for the bank’s latest CRA rating and other CRA-related information.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Investing by J.P. Morgan</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Whether you choose to work with a <a href="/personal/investments/advisor-services" class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_im_advisor">financial advisor</a> and develop a financial strategy or <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_im_onlineinvesting" href="/personal/investments/online-investing">invest online</a>, J.P. Morgan offers <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_im_education" href="/personal/investments/learning-and-insights">investment education</a>, expertise and a range of tools to help you reach your goals. Visit a J.P. Morgan <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_im_branch" href="https://jpmorganwealthmanagement.chase.com/advisor">Wealth Management Branch</a> or check out our latest online investing <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_im_offer-self-dir" href="https://account.chase.com/consumer/investing/self-directedoffer">offers, promotions, and coupons</a>.</p> <p><strong>INVESTMENT AND INSURANCE PRODUCTS ARE:</strong></p> <ul> <li><strong>NOT FDIC INSURED</strong></li> <li><strong>NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY</strong></li> <li><strong>NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES</strong></li> <li><strong>SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED</strong></li> </ul> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Chase Private Client</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Get more from a personalized relationship offering <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cpc_home-personal" href="/personal/checking/private-client#personalized-financial-relationship">no everyday banking fees</a>, priority service from a <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cpc_team" href="/personal/checking/private-client/team">dedicated team</a> and <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cpc_perks" href="/personal/checking/private-client/perks">special perks and benefits</a>. Connect with a Chase Private Client Banker at your nearest <a class="chaseanalytics-track-link regular-link" data-pt-name="seo_fs_cpc_branch" href="https://locator.chase.com/?locale=en_US">Chase branch</a> to learn about eligibility requirements and all available benefits.</p> <p><strong>INVESTMENT AND INSURANCE PRODUCTS ARE:</strong></p> <ul> <li><strong>NOT A DEPOSIT</strong></li> <li><strong>NOT FDIC INSURED</strong></li> <li><strong>NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY</strong></li> <li><strong>NO BANK GUARANTEE</strong></li> <li><strong>MAY LOSE VALUE</strong></li> </ul> </div></div></div></div><div class="mds-row"><div class="mds-col-12 mds-col-at-576-12 mds-col-at-768-12 mds-col-at-992-6"><h2 class="mds-body-small-heavier">Other Products & Services:</h2></div></div><div class="mds-row"><div class="mds-col-12 mds-col-at-576-12 mds-col-at-768-12 mds-col-at-992-6"><ul class="sc-7f075714-0 fbRFDU mds-d-at-992-flex mds-d-grid mds-m-0 mds-p-0"><li class="mds-d-inline-flex"><a href="/personal/branch-disclosures" data-pt-name="seo_fs_other_deposit-daa" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link link-underline mds-pr-4 mds-pt-4 mds-body-small" aria-hidden="false">Deposit Account Agreements</a></li><li class="mds-d-inline-flex"><a href="/digital/mobile-banking" data-pt-name="seo_fs_other_mobile-bank" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link link-underline mds-pr-4 mds-pt-4 mds-body-small" aria-hidden="false">Mobile Banking</a></li><li class="mds-d-inline-flex"><a href="/digital/online-banking" data-pt-name="seo_fs_other_online-bank" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link link-underline mds-pr-4 mds-pt-4 mds-body-small" aria-hidden="false">Online Banking</a></li><li class="mds-d-inline-flex"><a href="/personal/financial-goals/life-moments" data-pt-name="seo_fs_other_student" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link link-underline mds-pr-4 mds-pt-4 mds-body-small" aria-hidden="false">Student Center</a></li><li class="mds-d-inline-flex"><a href="/personal/zelle" data-pt-name="seo_fs_other_zelle" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link link-underline mds-pr-4 mds-pt-4 mds-body-small" aria-hidden="false">Zelle®</a></li></ul></div><div class="mds-col-12 mds-col-at-576-12 mds-col-at-768-12 mds-col-at-992-6"><div class="mds-d-at-992-flex mds-d-grid mds-pt-4 mds-pt-at-992-3"><ul class="sc-7f075714-0 fbRFDU mds-d-flex mds-fw-wrap mds-m-0 mds-p-0" data-feature="social-links"><li class="sc-feb0c857-0 cguYAG mds-d-inline-flex mds-mr-5 mds-mt-5 mds-mt-at-992-0"><div style="--link-text-decoration:none" class="sc-48e13e03-0 cESGyT"><a href="https://www.facebook.com/chase" role="link" title="Facebook" data-pt-name="ft_soc_facebook" rel="noreferrer" target="_blank" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-opt-exlnk xpins-click link mds-d-inline-flex" aria-hidden="false"><div class="mds-d-inline-flex mds-jc-center mds-pe-none"><i class="sc-b5964c44-0 yHiaC mds-chase-icons mds-pe-none ico_logo_facebook" style="--icon-color:var(--footer-social-icon-color)" aria-hidden="true"></i></div><span class="sc-5ed86311-0 gbpywr accessible-text"> Facebook, Opens overlay</span></a></div></li><li class="sc-feb0c857-0 cguYAG mds-d-inline-flex mds-mr-5 mds-mt-5 mds-mt-at-992-0"><div style="--link-text-decoration:none" class="sc-48e13e03-0 cESGyT"><a href="https://instagram.com/chase" role="link" title="Instagram" data-pt-name="ft_soc_instagram" rel="noreferrer" target="_blank" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-opt-exlnk xpins-click link mds-d-inline-flex" aria-hidden="false"><div class="mds-d-inline-flex mds-jc-center mds-pe-none"><i class="sc-b5964c44-0 yHiaC mds-chase-icons mds-pe-none ico_logo_instagram" style="--icon-color:var(--footer-social-icon-color)" aria-hidden="true"></i></div><span class="sc-5ed86311-0 gbpywr accessible-text"> Instagram, Opens overlay</span></a></div></li><li class="sc-feb0c857-0 cguYAG mds-d-inline-flex mds-mr-5 mds-mt-5 mds-mt-at-992-0"><div style="--link-text-decoration:none" class="sc-48e13e03-0 cESGyT"><a href="https://twitter.com/Chase" role="link" title="X, formerly Twitter" data-pt-name="ft_soc_x" rel="noreferrer" target="_blank" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-opt-exlnk xpins-click link mds-d-inline-flex" aria-hidden="false"><div class="mds-d-inline-flex mds-jc-center mds-pe-none"><i class="sc-b5964c44-0 yHiaC mds-chase-icons mds-pe-none ico_logo_x" style="--icon-color:var(--footer-social-icon-color)" aria-hidden="true"></i></div><span class="sc-5ed86311-0 gbpywr accessible-text"> X, formerly Twitter, Opens overlay</span></a></div></li><li class="sc-feb0c857-0 cguYAG mds-d-inline-flex mds-mr-5 mds-mt-5 mds-mt-at-992-0"><div style="--link-text-decoration:none" class="sc-48e13e03-0 cESGyT"><a href="https://www.youtube.com/chase" role="link" title="YouTube" data-pt-name="ft_soc_youtube" rel="noreferrer" target="_blank" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-opt-exlnk xpins-click link mds-d-inline-flex" aria-hidden="false"><div class="mds-d-inline-flex mds-jc-center mds-pe-none"><i class="sc-b5964c44-0 yHiaC mds-chase-icons mds-pe-none ico_logo_youtube" style="--icon-color:var(--footer-social-icon-color)" aria-hidden="true"></i></div><span class="sc-5ed86311-0 gbpywr accessible-text"> YouTube, Opens overlay</span></a></div></li><li class="sc-feb0c857-0 cguYAG mds-d-inline-flex mds-mr-5 mds-mt-5 mds-mt-at-992-0"><div style="--link-text-decoration:none" class="sc-48e13e03-0 cESGyT"><a href="https://www.linkedin.com/company/chase?trk=company_logo" role="link" 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us","openSideMenuAccessibleText":"Open side menu","customerServiceNavAccessibleText":"Customer service","connectwithus":"Connect with us","signInLink@ContentType":"contentfragment","loginPanel@ContentType":"contentfragment","categoryLinks":[{"values":{"link@ContentType":"contentfragment","link":{"values":{"inverse":false,"linkAccessibleText":" current product","leadingSeparator":false,"underline":false,"linkText":"Personal","linkPresentationType":"link","isActive":false,"url":"https://www.chase.com/","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"samewindow","disabled":false,"trackingId":"hd_fs_personal"},"type":"chase/models/chase-link"},"defaultonload":true},"type":"chase/models/chase-section-item"},{"values":{"link@ContentType":"contentfragment","link":{"values":{"inverse":false,"leadingSeparator":false,"underline":false,"linkText":"Business","linkPresentationType":"link","isActive":false,"url":"/business","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"samewindow","disabled":false,"trackingId":"hd_fs_businessbanking"},"type":"chase/models/chase-link"},"defaultonload":false},"type":"chase/models/chase-section-item"},{"values":{"link@ContentType":"contentfragment","link":{"values":{"inverse":false,"leadingSeparator":false,"underline":false,"linkText":"Commercial","linkPresentationType":"link","isActive":false,"url":"https://www.jpmorgan.com/commercial-banking","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"samewindow","disabled":false,"trackingId":"hd_fs_commercialbanking"},"type":"chase/models/chase-link"},"defaultonload":false},"type":"chase/models/chase-section-item"}],"searchLink@ContentType":"contentfragment","logoTrackingId":"hd_fs_chase_logo"},"type":"chase/models/chase-header"}],"type":"chase-ux/components/page/chaseuxrefresh/primarynavcontainer"},{"children":[{"values":{"disableStickySocialShare":false,"eyebrow":[{"path":"article-category/mortgage","name":"mortgage","title":"Mortgage"}],"articleTrackingId":"hw-qual-fha-loan","articleBody":"\u003ch2\u003eQuick insights\u003c/h2\u003e\n\u003cul\u003e\n\u003cli\u003eFHA loans are mortgage loans insured by the Federal Housing Administration (FHA), making them an appealing option for first-time homebuyers or individuals looking for a lower down payment option.\u003c/li\u003e\n\u003cli\u003eFHA loans tend to have lower qualification standards and require a minimum down payment of 3.5%, making homeownership more accessible for borrowers with lower credit scores or past financial difficulties.\u003c/li\u003e\n\u003cli\u003eThere are different loan options for various borrowers, including homebuyers looking to improve the energy efficiency of their home or purchase a home in need of repairs.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eAs a first-time homebuyer or someone simply looking for a loan with flexible lending requirements, the whole experience may feel overwhelming with no clear answer. The good news is, the more you learn about the different loan types, the closer you are to understanding which one is best for you. This leads us to FHA loans.\u003c/p\u003e\n\u003cp\u003eThe Federal Housing Administration (FHA) is one of the biggest insurers of mortgages for families in the U.S. FHA loans could be a potential benefit for first-time homebuyers or homebuyers wanting a lower down payment option. Read on to learn more about FHA loans, how they work and how you might qualify.\u003c/p\u003e\n\u003ch2\u003eWhat is an FHA loan?\u003c/h2\u003e\n\u003cp\u003eAn FHA loan is a mortgage loan insured by the \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-federal-housing-administration\" href=\"https://www.hud.gov/federal_housing_administration\" target=\"_blank\"\u003eFederal Housing Administration\u003c/a\u003e. According to the U.S. Department of Housing and Urban Development (HUD), you can get an FHA loan allowing you to pay a down payment as low as 3.5% of the purchase price\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-hud-loan-24\"\u003eec-hud-loan-24\u003c/span\u003e. This is available for 1-4 unit properties, making this loan type an appealing option for first-time homebuyers or anyone looking to put a smaller down payment. While the FHA does guarantee these loans, they’re not the actual mortgage lender. Only FHA-approved lenders can provide FHA loans.\u003c/p\u003e\n\u003ch3\u003eFHA vs. conventional loan\u003c/h3\u003e\n\u003cp\u003eThere are a few differences between \u003ca data-pt-name=\"lnk-m-fha-vs-conventional-loans\" href=\"/personal/mortgage/education/financing-a-home/fha-vs-conventional-loans\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003eFHA loans and conventional loans\u003c/a\u003e. Unlike FHA loans, conventional loans are not insured by a federal agency, but the biggest difference between the two is their qualifications. FHA loans usually require a 3.5% minimum down payment and a minimum credit score that may vary by lender. Conventional loans vary when it comes to down payment but may require a higher credit score and greater savings.\u003c/p\u003e\n\u003cp\u003eAccording to MarketWatch, FHA does not have income limits; however, lenders need to know that you have a consistent monthly income. You will need to explain any gaps in your employment history within the last two years\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-loan-requirements\"\u003eec-fha-loan-requirements\u003c/span\u003e. For most mortgages, whether conventional or FHA, you must be at least three years removed from financial hardships related to foreclosures. The lender must see an improvement in your financial habits and will consider your credit score.\u003c/p\u003e\n\u003cp\u003eWhen it comes to FHA loans, there are \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-how-get-assistance-with-down-payment\" href=\"/personal/mortgage/education/buying-a-home/how-get-assistance-with-down-payment\" target=\"_self\"\u003edown payment assistance programs\u003c/a\u003e out there to help you. Conventional loans, however, may not offer the same help. On top of this, conventional loans don’t require mortgage insurance if your down payment is 20 percent or more. If your down payment isn’t higher than 20 percent, lenders will usually require you to pay \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-what-is-pmi-calculated\" href=\"/personal/mortgage/education/financing-a-home/what-is-pmi-calculated\" target=\"_self\"\u003eprivate mortgage insurance (PMI)\u003c/a\u003e. FHA loans typically require monthly mortgage insurance premium (MIP) regardless of the down payment.\u003c/p\u003e\n\u003cp\u003eDebt-to-income ratio (DTI) is taken into consideration as well. Your \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-cc-what-is-debt-to-income-ratio-and-why-it-is-important\" href=\"/personal/credit-cards/education/basics/what-is-debt-to-income-ratio-and-why-it-is-important\" target=\"_self\"\u003eDTI\u003c/a\u003e is the money you owe versus the amount of money you make. According to The Mortgage Reports, conventional loans usually allow a maximum DTI of 43% - meaning your debts take up no more than 43% of your gross monthly income. In some cases, FHA loans allow for a higher DTI of up to 50%\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-conventional-loan-vs-fha-loan\"\u003eec-fha-conventional-loan-vs-fha-loan\u003c/span\u003e.\u003c/p\u003e\n\u003ch2\u003eHow do FHA loans work?\u003c/h2\u003e\n\u003cp\u003eFHA loans can give people with lower incomes or those with lower credit scores the ability to become homeowners. But how exactly do they work? The process looks similar to most other mortgages. You can apply for an FHA loan by:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eFinding FHA-approved lenders.\u003c/strong\u003e Shopping around and seeing what lenders may offer you the most competitive interest rate could potentially work in your favor. You might consider going through a \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-get-mortgage-prequalify\" href=\"/personal/mortgage/education/buying-a-home/get-mortgage-prequalify\" target=\"_self\"\u003emortgage prequalification\u003c/a\u003e or preapproval process during this step. Please note that Chase does not offer mortgage prequalification.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003ePrepare your documentation.\u003c/strong\u003e Before you \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-fha-loan\" href=\"/personal/mortgage/fha-loan\" target=\"_self\"\u003eapply for an FHA loan\u003c/a\u003e, make sure you have everything you need for the application in order, which goes for any mortgage option. Speak with a lending adviser to understand \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-documents-needed-for-mortgage\" href=\"/personal/mortgage/education/financing-a-home/documents-needed-for-mortgage\" target=\"_self\"\u003ewhat you’ll need\u003c/a\u003e. You’ll typically need personal identification items (passport, ID, Social Security number), proof of income, employment status, current and future home address, and your projected \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-fha-loan-down-payments-decoded\" href=\"/personal/mortgage/education/financing-a-home/fha-loan-down-payments-decoded\" target=\"_self\"\u003eFHA down payment\u003c/a\u003e amount, among other things.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eSubmit your application.\u003c/strong\u003e This can typically be done online or in person. If you require assistance with your application, most lenders have experts who can help walk you through the process.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eClosing.\u003c/strong\u003e If you meet the minimum requirements and provide the necessary documentation, you’ll hopefully receive an approval letter from your lender. At this step, it’s important to review your offer. Once you feel comfortable moving forward with the purchase of your property, you can go ahead with the \u003ca class=\"chaseanalytics-track-link\" data-pt-name=\"lnk-m-fha-loan-closing-costs\" href=\"/personal/mortgage/education/financing-a-home/fha-loan-closing-costs\" target=\"_self\"\u003eFHA loan closing process\u003c/a\u003e.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eFHA-approved lenders require you to pay mortgage insurance as part of your closing costs. The borrower is typically responsible for paying two FHA mortgage insurance fees:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAn upfront mortgage insurance premium:\u003c/strong\u003e According to the U.S. Department of Housing and Urban Development (HUD), your upfront MIP payment will be equal to 1.75% of the base loan amount\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-mortgage-insurance-premiums\"\u003eec-fha-mortgage-insurance-premiums\u003c/span\u003e.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eAn annual mortgage insurance premium:\u003c/strong\u003e According to Investopedia, borrowers have to pay ongoing MIP, which ranges from 0.45% to 1.05% of the total loan amount. This premium varies with the loan term (15 or 30 years), loan amount and down payment\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-up-front-mortgage-insurance\"\u003eec-fha-up-front-mortgage-insurance\u003c/span\u003e. The annual premium is divided over a 12-month period and payments are made monthly and may be required for the entire term of the loan.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eFor example, let's say you take out an FHA loan for $250,000. Your annual MIP would be somewhere between $2,625 ($218.75/month) and $1,125 ($93.75/month), depending on the term of the loan (30 or 15 years). The annual mortgage insurance premium may not be cancelled and is for the life of the loan or 11 years depending on the term of the loan.\u003c/p\u003e\n\u003ch2\u003eTypes of FHA loans\u003c/h2\u003e\n\u003cp\u003eWhile there are many different types of FHA loans, there are five of the most common:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eBasic home mortgage 203(b):\u003c/strong\u003e This is what most would likely imagine when they think of an FHA loan. It’s common for first-time homebuyers purchasing their primary residence and allows a down payment as low as 3.5%. The home must meet certain HUD appraisal standards.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eFHA’s energy-efficient mortgage:\u003c/strong\u003e This is meant for homebuyers or homeowners looking to refinance and improve the energy efficiency of their home. \u003ca data-pt-name=\"lnk-m-energy-efficient-mortgage\" href=\"/personal/mortgage/education/financing-a-home/energy-efficient-mortgage\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003eThis particular mortgage\u003c/a\u003e will cover the price of the home and what is leftover is meant to be used for energy-efficient improvements. There are limits on how much you can borrow and what energy improvements qualify. A home energy rater must assess and approve as a part of the mortgage process.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e203(k) rehab mortgage:\u003c/strong\u003e This is used to help purchase (or refinance) a home in need of repairs. According to the U.S. Department of Housing and Urban Development (HUD), Section 203(k) insures mortgages covering the purchase or refinancing and rehabilitation of a home that is at least a year old\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-rehabilitation-mortgage-insurance-program\"\u003eec-fha-rehabilitation-mortgage-insurance-program\u003c/span\u003e. A portion of the loan proceeds are used to pay the seller, or, if a refinance, to pay off the existing mortgage, and the remaining funds are placed in an escrow account and released when the rehabilitation is completed. Please note that the 203(k) rehab loan is not a product offered by Chase.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eMortgage insurance for disaster victims section 203(h):\u003c/strong\u003e Americans who have lost their home in certain types of disasters may qualify for this FHA loan. It requires no down payment and must have been your primary residence that you were residing in during the disaster. The home must be damaged enough that it requires reconstruction or replacement.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eGood neighbor next door:\u003c/strong\u003e This program helps people in certain vocations such as teachers, law enforcement and medical professionals purchase HUD foreclosure homes in designated revitalization areas at a discount.\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2\u003eFHA loans pros and cons\u003c/h2\u003e\n\u003cp\u003eBefore you choose what type of loan you’ll use, it's important to weigh the pros and cons. Naturally, buying a home is a major financial commitment and there’s much to consider.\u003c/p\u003e\n\u003ch3\u003eAdvantages of an FHA Loan\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eLower qualification standards:\u003c/strong\u003e FHA loans are often easier to get than other types of loans. If you have had issues with your credit or a \u003ca data-pt-name=\"lnk-m-mortgage-after-bankruptcy\" href=\"/personal/mortgage/education/financing-a-home/mortgage-after-bankruptcy\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003ebankruptcy in your past\u003c/a\u003e, this option might be right for you.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eLower down payment:\u003c/strong\u003e This is one of the main draws of an FHA loan. With as little as 3.5% down, homeownership can become a reality for borrowers who wouldn't otherwise qualify.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eCompetitive interest rates:\u003c/strong\u003e FHA loans may offer interest rates at or below conventional loan rates. This can help reduce your monthly payment.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003eDisadvantages of an FHA loan\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eLower lending limits:\u003c/strong\u003e FHA loans have much lower lending limits than traditional loans. If you want to purchase a home above these limits, you'll need to use a different type of loan, put more money down, or find a different house.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eMortgage insurance premium\u003c/strong\u003e: FHA loans require \u003ca data-pt-name=\"lnk-m-mortgage-insurance-premium\" href=\"/personal/mortgage/education/financing-a-home/mortgage-insurance-premium\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003eMIP\u003c/a\u003e. The amount you pay depends on the price of your home and your loan-to-value ratio, but MIP will ultimately increase the overall cost of your loan. According to Bankrate, if you meet the eligibility requirements to remove MIP from an FHA loan, your mortgage provider should automatically cancel the premiums once you meet the criteria (a 78% LTV or 11 years, depending on the loan)\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-remove-mortgage-insurance-on-an-fha-loan\"\u003eec-fha-remove-mortgage-insurance-on-an-fha-loan\u003c/span\u003e. This is assuming that you’re in good standing with a track record of on-time mortgage payments.\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003ePrimary residence only:\u003c/strong\u003e While FHA mortgages can be used for single-family and multi-family homes, they can only be used for your \u003ca data-pt-name=\"lnk-m-different-types-of-properties\" href=\"/personal/mortgage/education/buying-a-home/different-types-of-properties\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003eprimary residence\u003c/a\u003e. This means if you're looking to buy a vacation home or second home, FHA loans won't work for you.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch2\u003eHow to make your FHA loan more affordable\u003c/h2\u003e\n\u003cp\u003eIf you currently have an FHA loan, you may be wondering how to make your loan more affordable. FHA streamline refinances\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-refinance-hl000061\"\u003eec-refinance-hl000061\u003c/span\u003e\u0026nbsp;are exclusive to FHA borrowers and help them with an affordable path to refinancing. \u003ca data-pt-name=\"lnk-m-fha-streamline-refinance\" href=\"/personal/mortgage/education/financing-a-home/fha-streamline-refinance\" target=\"_self\" class=\"chaseanalytics-track-link\"\u003eFHA streamline refinances\u003c/a\u003e require no credit score checks, no income verifications and home appraisals are typically waived completely. Depending on when you borrowed your FHA loan, you may have access to more competitive interest rates. However, do speak with a home lending advisor to help understand what options are best for you.\u003c/p\u003e\n\u003ch2\u003eIn summary\u003c/h2\u003e\n\u003cp\u003eFHA loans are insured by the Federal Housing Administration and are made available to borrowers through FHA-approved lenders. Like any loan, there are pros and cons to financing or refinancing your home using one of these products. You may want to consult a professional to help understand what you may qualify for and what loan type may work best for your specific homeownership goals.\u003c/p\u003e\n\u003ch2\u003eFHA loan FAQs\u003c/h2\u003e\n\u003ch3\u003e1. How many FHA loans can you have?\u003c/h3\u003e\n\u003cp\u003eAccording to Rocket Mortgage, you can take out more than one FHA loan during your lifetime; however, you can typically only have one FHA loan at a time because you can only have one primary residence\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-how-many-fha-loans-can-you-have\"\u003eec-fha-how-many-fha-loans-can-you-have\u003c/span\u003e. The FHA department wants to discourage borrowers from taking advantage of the loan program’s lenient requirements and taking out multiple FHA loans to purchase investment properties.\u003c/p\u003e\n\u003ch3\u003e2. Can you buy land with an FHA loan?\u003c/h3\u003e\n\u003cp\u003eAccording to LendingTree, the Federal Housing Administration (FHA) has loan programs to help finance the purchase of land; however, you can’t purchase land you intend to leave vacant\u003cspan style=\"color: blue;\" class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-land-loans-everything-a-buyer-needs-to-know\"\u003eec-fha-land-loans-everything-a-buyer-needs-to-know\u003c/span\u003e. You will have to commit to building a home on the property or find land with a house already on it, plus you will have to live in it as your primary residence.\u003c/p\u003e\n\u003ch3\u003e3. Can you build a house with an FHA loan?\u003c/h3\u003e\n\u003cp\u003eYes, you may use your FHA loan to build a house on land you own. FHA construction loans may be a good way to finance building your house, or the FHA Mortgage Insurance Disaster Victims Section 203(h) if you qualify for the help.\u003c/p\u003e\n\u003ch3\u003e4. Is an FHA loan only for first-time homebuyers?\u003c/h3\u003e\n\u003cp\u003eNo, FHA loans are not only for first-time homebuyers. Anyone who meets minimum qualifications for an FHA loan may apply.\u003c/p\u003e\n","browserTitle":"FHA Loan: Requirements, Limits \u0026 How to Qualify | Chase","isClickableAuthor":false,"hidePublishedDate":true,"articleTags":[{"path":"article-topics/homebuying","name":"homebuying","title":"homebuying"},{"path":"article-topics/mortgage-options","name":"mortgage-options","title":"mortgage options"}],"heroImage":{"values":{"primaryImage":"/content/dam/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg","renditionLarge":"/content/services/rendition/image.large.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg","renditionMedium":"/content/services/rendition/image.medium.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg","renditionSmall":"/content/services/rendition/image.small.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg","renditionXSmall":"/content/services/rendition/image.mobile.jpg/unified-assets/photography/articles/primary/mortgage/how-to-qualify-for-an-FHA-loan-ec-hero.jpg"},"type":"ccbcontent-fragments/models/image-fragment"},"hideArticleRevisionDate":true,"shortDescription":"FHA loans may offer homebuyers more flexible lending requirements and a lower down payment. Learn how to get an FHA loan, the pros and cons and how to qualify.","subCategoryTag":[{"name":"financing-a-home"}],"topEyebrowTag":[],"hideArticleFromHub":false,"ctaHorizontalAlignment":false,"links":[{"values":{"inverse":false,"underline":false,"publicLabelText1":"Public","linkPresentationType":"green-primary-button","isActive":false,"url":"https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;sourceCode=replaceSourceCode;SourceCode=replaceSourceCode/index/index","headlineText":"\u003ch2 style=\"text-align: center;\"\u003eTake the first step and get preapproved.\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/results-do-not-guarantee\"\u003e\u003c/span\u003e\u003c/h2\u003e\n","linkTrackingType":"chaseanalytics-track-link","passSourceCodeParam":true,"linkId":"start_online","commonLabelText1":"Common","secureLabelText1":"Secure","linkTrackingId":"btn-start_online","showSpeedBump":false,"linkOpensIn":"_self","disabled":false,"text":"Start Online"},"type":"ccbcontent-fragments/models/link"},{"values":{"linkTrackingType":"chaseanalytics-track-link","linkId":"find_your_local_hla","commonLabelText1":"Common","secureLabelText1":"Secure","linkTrackingId":"Relationship 3 icon","linkOpensIn":"_self","publicLabelText1":"Public","linkPresentationType":"button","text":"Find Your Local HLA","url":"https://homelendingadvisor.chase.com/","headlineText":"\u003ch2 style=\"text-align: center;\"\u003eHave questions? Connect with a home lending expert today!\u003c/h2\u003e"},"type":"ccbcontent-fragments/models/link"}],"heroTitle":"FHA loan: requirements, limits and how to qualify","publishedDate":"2024-10-31","timeToReadOff":false,"disableLogoLink":false,"webExperience":"both","disableEyebrowLink":false,"ctaCenterAlignment":true},"type":"ccbcontent-fragments/models/article"}],"type":"chase-ux/components/page/chaseuxrefresh/maincontainer"},{"children":[],"type":"chase-ux/components/page/chaseuxrefresh/button"},{"children":[],"type":"chase-ux/components/page/chaseuxrefresh/disclosurecontainer"},{"children":[{"values":{"contentTag":[{"path":"ccb-cf/digital-channels/aoa/lightweight-signup","name":"lightweight-signup","title":"Lightweight Signup"}],"contentLists":[{"values":{"contentTag":[{"path":"ccb-cf/digital-channels/aoa/lightweight-signup","name":"lightweight-signup","title":"Lightweight Signup"}],"isExcluded":false,"closeButton":"Cancel","allowTextField":true,"overrideUniqueId":false,"id":"en-default-speedbump-content","proceedButton":"Proceed"},"type":"ccbcontent-fragments/models/content-list"}],"overrideUniqueId":false,"id":"speed-bump","title":"\u003cp\u003eYou're now leaving Chase\u003c/p\u003e\n","message":"\u003cp\u003eChase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.\u003c/p\u003e\n"},"type":"ccbcontent-fragments/models/dialog"},{"values":{"subTitle":"\u003cp\u003eWe don't support this browser version anymore. 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feedback","linkPresentationType":"link","isActive":false,"url":"https://survey.experience.chase.com/jfe/form/SV_0rBuvmGXX6OhYEJ","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"samewindow","disabled":false,"trackingId":"ft_fs_feedback"},"type":"chase/models/chase-link"}],"seoContent":[{"values":{"heading":"Checking Accounts","contentInLineStyling":false,"content":"\u003cp\u003eChoose the \u003ca href=\"https://personal.chase.com/personal/checking\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_rb_chk-compare\"\u003echecking account\u003c/a\u003e that works best for you.\u0026nbsp;See\u0026nbsp;our \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_rb_chk-total-offer\" href=\"https://account.chase.com/consumer/banking/seo\"\u003eChase Total Checking\u003csup\u003e®\u003c/sup\u003e\u003c/a\u003e \u0026nbsp;offer for new customers.\u0026nbsp;Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Savings Accounts \u0026 CDs","contentInLineStyling":false,"content":"\u003cp\u003eIt’s never too early to begin saving. \u003ca class=\"chaseanalytics-track-link regular-link \" href=\"https://personal.chase.com/personal/savings\" data-pt-name=\"seo_fs_rb_sav-compare\"\u003eOpen a savings account\u003c/a\u003e or open a Certificate of Deposit (\u003ca class=\"chaseanalytics-track-link regular-link \" href=\"/personal/savings/bank-cd\" data-pt-name=\"seo_fs_rb_sav-cds\"\u003esee interest rates\u003c/a\u003e) and start saving your money.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Credit Cards","contentInLineStyling":false,"content":"\u003cp\u003eChase \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_cc_comparecc\" href=\"https://creditcards.chase.com/\"\u003ecredit cards\u003c/a\u003e\u0026nbsp;can help you buy the things you need. Many of our cards\u0026nbsp;\u003ca class=\"chaseanalytics-track-link regular-link \" href=\"https://creditcards.chase.com/rewards-credit-cards\" data-pt-name=\"seo_fs_cc_rewards\"\u003eoffer rewards\u003c/a\u003e that can be redeemed for \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_cc_cashback\" href=\"https://creditcards.chase.com/cash-back-credit-cards\"\u003ecash back\u003c/a\u003e\u0026nbsp;or \u003ca href=\"https://creditcards.chase.com/travel-credit-cards\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_cc_travel\"\u003etravel-related\u003c/a\u003e perks. With so many options,\u0026nbsp;it can be easy to find a card that matches your lifestyle. Plus, with Credit Journey you can get a\u0026nbsp;\u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_cc_creditscore\" href=\"/personal/credit-cards/free-credit-score\"\u003efree credit score\u003c/a\u003e!\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Mortgages","contentInLineStyling":false,"content":"\u003cp\u003eApply for a \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_hf_mortgage-home\" href=\"/personal/mortgage\"\u003emortgage\u003c/a\u003e or \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_hf_refi-home\" href=\"/personal/mortgage/mortgage-refinance\"\u003erefinance your mortgage\u003c/a\u003e with Chase. View today’s \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_hf_rates\" href=\"/personal/mortgage/mortgage-rates\"\u003emortgage rates\u003c/a\u003e or calculate what you can afford with our \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_hf_calculators\" href=\"/personal/mortgage/calculators-resources/mortgage-calculator\"\u003emortgage calculator\u003c/a\u003e. Visit our \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_hf_education\" href=\"/personal/mortgage/education\"\u003eEducation Center\u003c/a\u003e for homebuying tips and more.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Auto","contentInLineStyling":false,"content":"\u003cp\u003e\u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_af_home\" href=\"https://autofinance.chase.com/?offercode=WDXDPXXX02\"\u003eChase Auto\u003c/a\u003e is here to help you get the right car. Apply for \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_af_loan\" href=\"https://autofinance.chase.com/auto-finance/auto-loans?offercode=WDXDPXXX02\"\u003eauto financing\u003c/a\u003e for a new or used car with Chase. Use the \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_af_calculator\" href=\"https://autopreferred.chase.com/garage/auto-loan-calculator?offercode=WDXDPXXX02\"\u003epayment calculator\u003c/a\u003e to estimate monthly payments.\u0026nbsp;Check out the \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_af_education\" href=\"/personal/auto/education?offercode=WDXDPXXX02\"\u003eChase Auto Education Center\u003c/a\u003e to get car guidance from a trusted source.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Chase for Business","contentInLineStyling":false,"content":"\u003cp\u003eWith Chase for Business you’ll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and managing payroll. Choose from \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_bb_chk\" href=\"/business/banking/checking\"\u003ebusiness checking\u003c/a\u003e, \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_bb_card\" href=\"https://creditcards.chase.com/business-credit-cards\"\u003ebusiness credit cards\u003c/a\u003e, \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_bb_payments\" href=\"/business/payments\"\u003emerchant services\u003c/a\u003e or visit our \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_bb_resource-cntr\" href=\"/business/knowledge-center\"\u003ebusiness resource center\u003c/a\u003e.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Sports \u0026 Entertainment","contentInLineStyling":false,"content":"\u003cp\u003eChase gives you access to unique sports, entertainment and culinary events through \u003ca data-pt-name=\"seo_fs_en_se-experiences\" href=\"/personal/events/experiences\" class=\"chaseanalytics-track-link regular-link \"\u003eChase Experiences\u003c/a\u003e and our exclusive partnerships such as the \u003ca data-pt-name=\"seo_fs_en_se-uspoen\" href=\"/personal/events/us-open\" class=\"chaseanalytics-track-link regular-link \"\u003eUS Open\u003c/a\u003e, \u003ca data-pt-name=\"seo_fs_en_se-msg\" href=\"https://www.msg.com/\" class=\"chaseanalytics-track-link regular-link \"\u003eMadison Square Garden\u003c/a\u003e and \u003ca class=\"chaseanalytics-track-link regular-link \" href=\"/personal/events/chase-center\" data-pt-name=\"seo_fs_en_se-chase-center\"\u003eChase Center\u003c/a\u003e.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Chase Security Center","contentInLineStyling":false,"content":"\u003cp\u003eOur \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_pslp\" href=\"/digital/resources/privacy-security\"\u003esuite of security features\u003c/a\u003e can \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_hycp\" href=\"/digital/resources/privacy-security/security/how-you-can-protect\"\u003ehelp you protect\u003c/a\u003e your info, money and give you peace of mind. See how we're dedicated to helping \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_hvpy\" href=\"/digital/resources/privacy-security/security/how-we-protect-you\"\u003eprotect you\u003c/a\u003e, your accounts and your loved ones from \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_fa\" href=\"/digital/resources/privacy-security/financial-abuse\"\u003efinancial abuse\u003c/a\u003e. Also, \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_htsc\" href=\"/digital/resources/privacy-security/security/how-to-spot-scams\"\u003elearn about the common tricks scammers are using\u003c/a\u003e to help you stay one step ahead of them. If you see unauthorized charges or believe your account was compromised contact us right away to \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_csc_rf\" href=\"/digital/resources/privacy-security/security/report-fraud\"\u003ereport fraud\u003c/a\u003e.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"About Chase","contentInLineStyling":false,"content":"\u003cp\u003eChase serves millions of people with a broad range of products. \u003ca class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"seo_fs_en_abt-chaseonline\" href=\"https://www.chase.com\"\u003eChase online\u003c/a\u003e lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. 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An info-graphic indicates that her score increases to 720 after she's improved her payment history, lowered her debt, and increased her available credit.\u003c/p\u003e\r\n\u003ch2\u003eNarrator:\u003c/h2\u003e\r\n\u003cp\u003eLate payments, high balances, too much outstanding debt, and multiple credit inquiries can negatively impact your score.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eNegative Credit Score Factors:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eLate payments;\u003c/li\u003e\r\n\u003cli\u003eHigh balances;\u003c/li\u003e\r\n\u003cli\u003eToo much outstanding debt;\u003c/li\u003e\r\n\u003cli\u003e(and) Multiple credit inquiries.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003ch2\u003eNarrator:\u003c/h2\u003e\r\n\u003cp\u003eIt’s also important to make sure your score is accurate. You can check it for free once a year at each of the 3 major credit-reporting agencies.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eEquifax (Registered trademark): 1-866-349-5191. Equifax.com.\u003c/li\u003e\r\n\u003cli\u003eExperian (Trademark): 1-888-397-3742. Experian.com.\u003c/li\u003e\r\n\u003cli\u003eTransUnion (Registered trademark): 1-800-888-4213. Transunion.com.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003ch2\u003eNarrator:\u003c/h2\u003e\r\n\u003cp\u003eAnother great way to stay on top of your credit is with Chase Credit Journey. Our free service offers: Unlimited access to your credit score and credit report. Alerts about critical changes to your credit report, and... a score simulator to help you see how financial decisions can affect your rating.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eA woman sits on her sofa and pets her cat. She uses her mobile device to review her credit information with Chase Credit Journey.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eChase Credit Journey -\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eUnlimited access;\u003c/li\u003e\r\n\u003cli\u003eCritical alerts;\u003c/li\u003e\r\n\u003cli\u003e(and) Score simulator.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003ch2\u003eNarrator:\u003c/h2\u003e\r\n\u003cp\u003eGood credit can help you get better mortgage terms and rates.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eThe woman shakes hands with her realtor in front of a house with a \u0026quot;Sold\u0026quot; sign on the lawn.\u003c/p\u003e\r\n\u003ch2\u003eNarrator:\u003c/h2\u003e\r\n\u003cp\u003eIt’s an important part of your home-buying journey and we can help you stay on track!\u003c/p\u003e\r\n\u003ch2\u003eLogo:\u003c/h2\u003e\r\n\u003cp\u003eThe Chase octagon symbol.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eChase. Make More of What's Yours (registered trademark).\u003c/p\u003e\r\n\u003ch2\u003eNote:\u003c/h2\u003e\r\n\u003cp\u003eLegal disclosures appear.\u003c/p\u003e\r\n\u003ch2\u003eOn screen:\u003c/h2\u003e\r\n\u003cp\u003eAll 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 products offered by JPMorgan Chase Bank, N.A. Equal Housing Lender. {{copyrightCurrentYear}} JPMorgan Chase \u0026amp; Co.\u003c/p\u003e\r\n","lengthForEN":"80","videotrackingvalue":"credit-score-video","closevideotrackingvalue":"Close_video","transcripttrackingvalue":"Transcript_tracking","description":"Understanding your credit score.","audiodescriptiononlinktext":"Turn on audio description","videoAdaText":"Credit Score Video","closevideoaccessibletext":"Close overlay","accountId":"4394098893001","transcriptBrowserTitle":"Video transcript: Credit score video","thumbnailReference":{"XSmall":"/content/services/rendition/image.mobile.jpg/content/dam/unified-assets/photography/articles/primary/mortgage/seo-home-loans-with-low-credit-hero.jpg","Small":"/content/services/rendition/image.tablet.jpg/content/dam/unified-assets/photography/articles/primary/mortgage/seo-home-loans-with-low-credit-hero.jpg","Medium":"/content/services/rendition/image.desktopMedium.jpg/content/dam/unified-assets/photography/articles/primary/mortgage/seo-home-loans-with-low-credit-hero.jpg","Large":"/content/services/rendition/image.desktopLarge.jpg/content/dam/unified-assets/photography/articles/primary/mortgage/seo-home-loans-with-low-credit-hero.jpg"},"audiodescriptionofflinktext":"Turn off audio description","videoTranscriptHtml":"/content/chase-ux/en/personal/mortgage/education/financing-a-home/how-to-qualify-for-fha-loan.transcript.html/6304049255001","audiodescriptionontrackingvalue":"Audio_tracking_ON","audioDescriptionVideoIdForEN":"6304058883001","playerId":"ryYnbq9Tg","transcriptlinktext":"Transcript"},"type":"ccbcontent-fragments/models/video"},"disableStickySocialShare":false,"eyebrow":[{"path":"article-category/mortgage","name":"mortgage","title":"Mortgage"}],"articleTrackingId":"home-loans-with-l","isClickableAuthor":false,"hidePublishedDate":true,"articleTags":[{"path":"article-topics/mortgage-options","name":"mortgage-options","title":"mortgage options"},{"path":"article-topics/homebuying","name":"homebuying","title":"homebuying"}],"hideArticleRevisionDate":true,"shortDescription":"While credit scores affect your borrowing power, it's still possible to get a home loan with bad credit. 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Learn more about what they are and how they work.","subCategoryTag":[{"name":"financing-a-home"}],"topEyebrowTag":[],"hideArticleFromHub":false,"ctaHorizontalAlignment":false,"links":[{"values":{"inverse":false,"underline":false,"publicLabelText1":"Public","linkPresentationType":"green-primary-button","isActive":false,"url":"https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;sourceCode=replaceSourceCode;SourceCode=replaceSourceCode/index/index","headlineText":"\u003ch2 style=\"text-align: center;\"\u003eTake the first step and get preapproved.\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/results-do-not-guarantee\"\u003e\u003c/span\u003e\u003c/h2\u003e\n","linkTrackingType":"chaseanalytics-track-link","passSourceCodeParam":true,"linkId":"start_online","commonLabelText1":"Common","secureLabelText1":"Secure","linkTrackingId":"btn-start_online","showSpeedBump":false,"linkOpensIn":"_self","disabled":false,"text":"Start Online"},"type":"ccbcontent-fragments/models/link"},{"values":{"linkTrackingType":"chaseanalytics-track-link","linkId":"find_your_local_hla","commonLabelText1":"Common","secureLabelText1":"Secure","linkTrackingId":"Relationship 3 icon","linkOpensIn":"_self","publicLabelText1":"Public","linkPresentationType":"button","text":"Find Your Local HLA","url":"https://homelendingadvisor.chase.com/","headlineText":"\u003ch2 style=\"text-align: center;\"\u003eHave questions? 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Will you take a few moments to answer some quick questions?","exclusionDuration":"90","samplingRate":"700","proceedButton":{"values":{"inverse":true,"leadingSeparator":false,"underline":false,"linkText":"Yes","linkPresentationType":"primary-button","languageCode":"en","isActive":false,"url":"https://survey.experience.chase.com/jfe/form/SV_bK77H8hcIrdQ8qq","trailingSeparator":false,"passSourceCodeParam":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"newwindow","disabled":false,"trackingId":"btn-public-voc-yes"},"type":"chase/models/chase-link"}},"theme":"CPO","disclosures":{"staticDisclosures":[{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/disc-educational-purpose-mortgage-info","mirandaStyling":"","applyBorder":"","content":"\u003cp\u003eThese articles are for educational purposes only and provide general mortgage information. Products, services, processes and lending criteria described in these articles may differ from those available through JPMorgan Chase Bank N.A. or any of its affiliates. The views expressed in this article do not reflect the official policy or position of (or endorsement by) JPMorgan Chase \u0026amp; Co. or its affiliates. Views and strategies described may not be appropriate for everyone and are not intended as specific advice/recommendation for any individual. Information has been obtained from sources believed to be reliable, but JPMorgan Chase \u0026amp; Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. For more information on available products and services, and to discuss your options, please contact a Chase Home Lending Advisor.\u003cbr\u003e\n\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eJPMorgan Chase Bank, N.A. Member FDIC\u003c/p\u003e\n"}],"dynamicDisclosures":[{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-hud-loan-24","content":"\u003cp\u003eU.S. Department of Housing and Urban Development (HUD): “Let FHA Loans Help You”. 2024. \u003ca href=\"https://www.hud.gov/buying/loans\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk_hud_fha_loan_24\"\u003ehttps://www.hud.gov/buying/loans\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-loan-requirements","content":"\u003cp\u003eMarketWatch: “FHA Loan Requirements (2024 Guide)”. August 9, 2024. \u003ca href=\"https://www.marketwatch.com/guides/mortgages/fha-loan-requirements/\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-fha-loan-requirements\"\u003ehttps://www.marketwatch.com/guides/mortgages/fha-loan-requirements/\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-conventional-loan-vs-fha-loan","content":"\u003cp\u003eThe Mortgage Reports: “Conventional Loan vs. FHA Loan: 2024 Rates and Guidelines”. January 16, 2024. \u003ca href=\"https://themortgagereports.com/17168/fha-conventional-97-low-downpayment-comparison#debt\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-fha-conventional-loan-vs-fha-loan\"\u003ehttps://themortgagereports.com/17168/fha-conventional-97-low-downpayment-comparison#debt\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-mortgage-insurance-premiums","content":"\u003cp\u003eU.S. Department of Housing and Urban Development (HUD): “Appendix 1.0 – Mortgage Insurance Premiums – HUD”. 2024. \u003ca href=\"https://www.hud.gov/sites/documents/15-01MLATCH.PDF\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-fha-mortgage-insurance-premiums\"\u003ehttps://www.hud.gov/sites/documents/15-01MLATCH.PDF\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-up-front-mortgage-insurance","content":"\u003cp\u003eInvestopedia: “Up-Front Mortgage Insurance (UFMI)”. May 10, 2022. \u003ca href=\"https://www.investopedia.com/terms/u/up-front-mortgage-insurance-ufmi.asp#:~:text=In%20addition%20to%20the%20UFMI,certain%20amount%20of%20your%20mortgage\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-up-front-mortgage-insurance\"\u003ehttps://www.investopedia.com/terms/u/up-front-mortgage-insurance-ufmi.asp#:~:text=In%20addition%20to%20the%20UFMI,certain%20amount%20of%20your%20mortgage\u003c/a\u003e.\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-rehabilitation-mortgage-insurance-program","content":"\u003cp\u003eU.S. Department of Housing and Urban Development (HUD): “203(k) Rehabilitation Mortgage Insurance Program”. 2024. \u003ca href=\"https://www.hud.gov/program_offices/housing/sfh/203k/203k--df\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-fha-rehabilitation-mortgage-insurance-program\"\u003ehttps://www.hud.gov/program_offices/housing/sfh/203k/203k--df\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-remove-mortgage-insurance-on-an-fha-loan","content":"\u003cp\u003eBankrate: “How to remove mortgage insurance on an FHA loan”. June 26, 2024. \u003ca href=\"https://www.bankrate.com/mortgages/remove-fha-mortgage-insurance/#how-to-remove\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-fha-remove-mortgage-insurance-on-an-fha-loan\"\u003ehttps://www.bankrate.com/mortgages/remove-fha-mortgage-insurance/#how-to-remove\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-refinance-hl000061","content":"\u003cp\u003e\u003cstrong\u003eImportant Notice to Servicemembers and Their Dependents:\u003c/strong\u003e A refinance may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about refinancing, please discuss with your Home Lending Advisor.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eThe amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-how-many-fha-loans-can-you-have","content":"\u003cp\u003eRocket Mortgage: “How Many FHA Loans Can You Have?”. April 3, 2024. \u003ca href=\"https://www.rocketmortgage.com/learn/how-many-fha-loans-can-you-have\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-fha-how-many-fha-loans-can-you-have\"\u003ehttps://www.rocketmortgage.com/learn/how-many-fha-loans-can-you-have\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/ec-fha-land-loans-everything-a-buyer-needs-to-know","content":"\u003cp\u003eLendingTree: “Land Loans: Everything a Buyer Needs To Know” June 3, 2024. \u003ca href=\"https://www.lendingtree.com/home/mortgage/how-to-get-a-land-loan/#:~:text=2.,finance%20the%20purchase%20of%20land\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk-ec-fha-land-loans-everything-a-buyer-needs-to-know\"\u003ehttps://www.lendingtree.com/home/mortgage/how-to-get-a-land-loan/#:~:text=2.,finance%20the%20purchase%20of%20land\u003c/a\u003e\u003c/p\u003e\n"},{"path":"/content/dam/ccbcontent-fragments/en/disclosures/structured/module/disclosure/personal/mortgage/results-do-not-guarantee","content":"\u003cp\u003eA preapproval is based on a review of income and asset information you provide, your credit report and an automated underwriting system review. The issuance of a preapproval letter is not a loan commitment or a guarantee for loan approval. We may offer a loan commitment after you submit an application and we perform a final underwriting review, including verification of any information provided, property valuation and, if applicable, investor approval, which may result in a change to the terms of your preapproval. Preapprovals are not available on all products and may expire after 90 days. Contact a Home Lending Advisor for details.\u003c/p\u003e\n"}]},"externalAppConfig":{"contentApiAssetsBaseUrl":"https://asset.chase.com","contentApiBaseUrl":"https://static.chase.com","studentCalcApiUrl":"https://cccapi.chase.com/ccb/marketing/acquisitions-marketing/data-api/api/v1","autoloanCalcApiDomain":"api2.chase.com"},"internal":{"addLoginScript":false,"loadMdsCss":false}},"type":"chase-ux/components/page/chaseuxrefresh/basepage"},"theme":{"backgroundOptions":[{"type":"primary","isDark":false},{"type":"secondary","isDark":true},{"type":"neutral","isDark":false},{"type":"theme_bg_light","isDark":true},{"type":"theme_bg_dark","isDark":true}],"rootFontSize":"16px","bodyBg":"#ffffff","bodyColor":"#101820","primary":"#ffffff","primaryBg":"#ffffff","primaryTransparentBg":"#ffffffE5","primaryColor":"#c1c3c3","primaryBorder":"#101820","primaryBackgroundTextColor":"#101820","primaryBgPromoBreakerAnimationBorderColor":"#ffffff","secondary":"#565a5d","secondaryBg":"#005eb8","secondaryTransparentBg":"#002f6cE5","secondaryColor":"#ffffff","secondaryBorder":"#ffffff","secondaryBackgroundTextColor":"#ffffff","secondaryLinkTextColor":"#ffffff","secondaryLinkTextHoverColor":"#ffffff","secondaryLinkTextOutlineColor":"#ffffff","neutralBg":"#f5f7f8","neutralTransparentBg":"#f5f7f8E5","neutralBorder":"#101820","neutralBackgroundTextColor":"#101820","neutralBgPromoBreakerAnimationBorderColor":"#ffffff","lightBg":"#6e7275","lightTransparentBg":"#6e7275E5","light":"#f5f7f8","lightBorder":"#ffffff","lightBackgroundTextColor":"#ffffff","lightBackgroundLinkTextColor":"#ffffff","lightBackgroundLinkTextHoverColor":"#ffffff","lightBackgroundLinkTextOutlineColor":"#ffffff","darkBg":"#002f6c","darkTransparentBg":"#002f6cE5","greyBackground":"#F1F1F0","success":"#398100","accent":"#0B6EF7","white":"#ffffff","black":"#101820","textGray":"#474c50","borderRadiusLarge":"2.5rem","defaultBorderColor":"#041E42","fontFamily":"\"Open 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