Last Updated: 01/04/2026
SuperMoney User Recommendation Score +10
Mostly recommended10 total votes
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Highlights
Community Rating
Mostly recommended
Credit Score Range
N/A
Amount Range
$50,000 - $3,000,000
Loan Term (Years)
15 - 30
Number of Reviews
Chase Bank Mortgage Refinance Review
Chase Bank Mortgage Refinance is offered by Chase Bank (NMLS #399798), a bank founded in 1877 and based in New York, NY. Chase refinance are available in 50 states and Washington, DC.
Key Takeaways
- Only two mortgage programs offered. Chase Bank Mortgage Refinance refinances FHA VA conforming and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Refinancing for large mortgages. You can refinance mortgages with balances of up to $3,000,000 with Chase Bank Mortgage Refinance.
- Non-standard interest rates available. Chase Bank Mortgage Refinance only offers hybrid mortgages.
- Primary and secondary homes considered. Chase Bank Mortgage Refinance offers refinancing for both primary residences and vacation homes. Investment properties are not eligible.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Chase Bank Mortgage Refinance Pros & Cons
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Chase Bank Mortgage Refinance FAQ
What range of mortgage balances will Chase refinance refinance?
Mortgage refinancing loans start at $50,000 and go up to $3,000,000
What is the maximum loan term for a mortgage refinance via Chase refinance?
The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Chase Bank Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.
How long does Chase refinance take to refinance?
Chase refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.Does Chase refinance charge a mortgage origination fee?
Yes, Chase Bank Mortgage Refinance will charge a loan origination fee .
What mortgage programs does Chase refinance offer?
Chase Bank Mortgage Refinance offers the following mortgage types:
- Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
- FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.
What property usage types does Chase refinance allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Chase Bank Mortgage Refinance allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +10, or 3.2 on a 5-point rating scale.
+10
-1000+100
No one recommends
Everyone recommends
Chase Bank Mortgage Refinance Community Reviews
Would you recommend Chase Bank Mortgage Refinance to your friends?
PE
Pascal E.
Jan 4, 2026
May or may not recommend
What stood out to me was Chase’s nationwide availability and experience with complex refinances. The team handled my vacation property refinance smoothly and professionally. If you prefer a big-name bank with structured processes, Chase is worth considering.
ME
Miranda E.
Jan 4, 2026
May or may not recommend
While Chase is a well-known bank, my refinance experience was not very flexible. The limited loan options and prepayment fees made it less attractive for my situation. I expected more personalized support for such an important financial decision.
EL
Ethan L.
Jan 4, 2026
May or may not recommend
Chase Bank Mortgage Refinance was a solid choice for handling a larger loan balance. The process took some time, but communication stayed consistent and transparent from start to finish. I valued the clarity around fees and the support provided along the way.
SM
Samuel M.
Jan 4, 2026
May or may not recommend
Refinancing with Chase Bank felt slower than expected, and the process involved more paperwork than I anticipated. Communication wasn’t always timely, which made the waiting period frustrating. The fees also felt higher compared to other lenders I considered.
ES
Ezra S.
Jan 4, 2026
May or may not recommend
I refinanced with Chase Bank and appreciated the professionalism and structure throughout the process. The loan officer clearly explained the hybrid rate option and timelines, which helped me plan confidently. Working with a well-established bank made the experience feel secure and dependable.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
We had an existing mortgage with Chase and wanted to take advantage of the lower rates at the time. We shopped around a few providers but could not better the rate that Chase offered. The process from enquiry through to completion took less than 30 days and we are very happy with the new rate. I also like the mobile app and online banking site that allows easy checking of ...Show More
EC
Emma C.
Oct 18, 2022
May or may not recommend
We had an existing mortgage with Chase and wanted to take advantage of the lower rates at the time. We shopped around a few providers but could not better the rate that Chase offered. The process from enquiry through to completion took less than 30 days and we are very happy with the new rate. I also like the mobile app and online banking site that allows easy checking of ...Show More
VC
Valerie C.
Dec 19, 2020
May or may not recommend
We had an existing mortgage with chase and we wanted to refinance to a lower interest rate. Never again will I refinance with the same bank who holds the mortgage! Of course they were eager to assist us but once the process started there are delays upon delays. As long as we're in the process with Chase we can't refinance with another company, and every month they stall ...Show More
SS
Steven S.
Nov 26, 2020
May or may not recommend
In this pandemic if your credit is very good and you have not missed any mortgage payments, chase bank should let you refinance at a lower interest rate with No fees. None. And they don’t. So what will end up happening is chase will end up with a bunch of empty properties because they won’t let people refinance their home without fees. I would suggest a one ...Show More
CB
Christopher B.
Jul 3, 2020
May or may not recommend
Chase approved my wife and I for a refinance. They approved my rate and term with my 800+ credit score. They charged me $500 to start the process.
Then they took a month to come back to me saying I had 3 options:
1. Pay $40,000 more at closing to reduce my mortgage to get the same deal
2. Liquidate all my credit balances and not have $1 in balance or they would ...Show More
Showing 10 of 10 reviews
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