Multicultural and Affordable Lending

Expand your lending, product and program solutions

Chase is focused on strengthening communities by providing the financial and community development resources necessary to meet the needs of low-to-moderate income households across our nation.

Chase is committed to the development of diverse communities and offers viable home lending solutions that promote long-term economic prosperity. Chase is dedicated to building communities by:

  • Offering financial strength and stability
  • Presenting a wide range of home lending opportunities
  • Expanding access to capital
  • Delivering the comprehensive financial solutions of JPMorgan Chase
  • Extending our firm commitment to responsible lending and sustainable homeownership

Multicultural & Affordable Lending materials

Available through the ChaseLoanManager Resource Center

Questions? Refer to the Contact Us page to contact your Chase Account Executive.

Logon to ChaseLoanManager and select Resource Center to access the Multicultural & Affordable Lending materials. If you do not currently have a ChaseLoanManager username and password, contact your company's ChaseLoanManager Security Administrator.

Contact Chase Application Support Team at if you do not know the name of your company's ChaseLoanManager Security Administrator or require assistance accessing or using the Resource Center.


Expand your Lending Opportunities

We continue to make homeownership a reality for your low-to-moderate income (LMI) customers. HomeReady provides you with a variety of options to meet the needs of customers who may think they don't have the opportunity to become homeowners. Program highlights include:

  • No minimum down payment for 1 unit
  • Primary 30 Year Fixed Rate Purchase and NCO Refinance with max LTV for 1 Unit/Condo/PUD of 97%
  • Combined Loan-to-Value (CLTV) up to 105% with Chase-approved Community Seconds® and/or Affordable Seconds®
  • Documentation, ratios and reserves determined by Desktop Underwriter® (DU®)

Visit our Online Guide to learn more.

Agency High Balance Products

Chase offers Fannie Mae and Freddie Mac Agency High Balance products to make it easier for you to qualify borrowers with smart product choices.

  • Agency 15- and 30- Year Fixed
  • 5/1 Amortizing LIBOR ARM
  • Available on Purchase, Cash-Out Refinance and No Cash-Out Refinance

Visit our Online Guide to learn more.

Non-Agency Products

Available for Eligible Chase Correspondent Lenders

Our exclusive products are designed for Correspondents who meet our criteria and have qualified borrowers needing high loan amounts. Based on certain eligibility criteria, we offer Non-Delegated and Delegated Underwriting Authority for our Non-Agency products.

For Eligibility Criteria please refer to Online Guide or contact your Account Executive.

  • Non-Agency Amortizing ARMs
  • Non-Agency Amortizing Fixed
  • Non-Agency Interest Only Fixed and ARMs

Visit our Online Guide to learn more.

Fannie Mae and Freddie Mac Agency Products

Chase offers Fannie Mae and Freddie Mac Agency products that make it easier for you to qualify borrowers and make you more profitable at the same time.

  • Agency Amortizing ARMs
  • Fannie Mae and Freddie Mac Amortizing Fixed
  • Fannie Mae DU Refi Plus™ Amortizing Fixed
  • Freddie Mac LP Open Access Amortizing Fixed and ARMs
  • Fannie Mae HomeReady™

Visit our Online Guide to learn more.

Construction to Perm

A variety of products are available for permanent financing along with the ability, under certain circumstances, to increase the loan amount to cover unexpected additional costs of construction.

  • Agency and Non-Agency Fixed
  • Agency and Non-Agency ARMs
  • Non-Agency Interest Only
  • FHA and VA

Visit our Online Guide to learn more.

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