The Right Loan for You.

Refinance

Better terms on the home you already own.

If you already own a home, refinancing could lower your monthly payment, reduce your interest rate, shorten your loan term, or let you tap into your home's equity. Chase can walk you through whether a rate-and-term refinance or cash-out refinance makes sense for your situation.

Key Benefits

• Rate-and-term refinance options
• Cash-out refinance for home equity
• VA IRRRL (streamline refinance) for veterans
• Potentially lower monthly payments
• Consolidate debt or fund improvements

Conventional Loans

Versatile financing for strong borrowers.

Conventional loans are not backed by a government agency, which gives them flexibility for a wide range of property types and borrower profiles. They're ideal for buyers with solid credit and stable income who want competitive rates and terms without government program restrictions.

Key Benefits

• Down payments as low as 3%
• Primary, secondary, and investment properties
• Fixed and adjustable rate options
• PMI removable once 20% equity is reached
• Loan amounts up to conforming limits

FHA Loans

Lower barriers, bigger opportunities.

FHA loans are backed by the Federal Housing Administration and designed to make homeownership accessible to more buyers. With lower down payment requirements and more flexible credit guidelines, they're a strong option for first-time homebuyers or those who are rebuilding their financial footing after a hardship.

Key Benefits

• Down payment as low as 3.5%
• More flexible credit score requirements
• Gift funds allowed for down payment
• Government-backed security for lenders
• Available for primary residences

VA Loans

Your earned benefit. Let's use it.

The VA loan is one of the most powerful homebuying tools available — and it was earned through your service. With no down payment required, no private mortgage insurance, and consistently competitive interest rates, it's often the best option for eligible veterans, active-duty service members, and surviving spouses.

Key Benefits

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements
• Can be used multiple times

USDA Loans

Zero down for eligible rural and suburban buyers.

USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible buyers in qualifying rural and suburban areas. With no down payment required and below-market mortgage insurance rates, they're one of the most affordable paths to homeownership for buyers who meet the income and location requirements.

Key Benefits

• No down payment required
• Below-market mortgage insurance rates
• Competitive fixed interest rates
• Available in many DFW-area communities
• Income limits apply — ask Chase if you qualify

Jumbo Loans

Financing for homes above conforming limits.

Jumbo loans are designed for home purchases that exceed the conventional conforming loan limits set by Fannie Mae and Freddie Mac. Whether you're buying a luxury property or a high-value home in a competitive DFW market, Chase can help you secure the financing you need with competitive rates and personalized service.

Key Benefits

• Loan amounts above conforming limits
• Fixed and adjustable rate options
• Primary, secondary, and investment properties
• Competitive rates for strong borrowers
• Personalized underwriting review

Down Payment Assistance

Help getting to the closing table.

Down payment assistance (DPA) programs provide grants or second-lien loans to help qualified buyers cover their down payment and closing costs. Texas offers several state and local programs — including options through TSAHC and TDHCA — that can be layered with FHA, conventional, or VA loans to dramatically reduce the cash needed at closing.

Key Benefits

• Grants and forgivable second liens available
• Can be combined with FHA, conventional, or VA
• Texas-specific programs (TSAHC, TDHCA)
• Reduces or eliminates out-of-pocket costs
• Income and purchase price limits apply