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^{Footnote 1}Closing Guarantee
The Chase Closing Guarantee offers assurance to customers purchasing a home with a Chase mortgage that the loan will close on or before the contract closing date agreed to by a Chase Home Lending Advisor, or the customer will receive $1,000 cash back. For NY customers, this may be subject to attorney availability and requires Chase approval.

Eligibility: To be eligible for the Chase Closing Guarantee, the Customer must (1) Have a Chase product relationship (other than the mortgage being applied for) at the time of closing. A Chase product means a Mortgage Loan, Home Equity Line of Credit, Credit Card, Auto finance loan, and Checking and/or Savings account. (2) Complete a mortgage application online, by telephone or face-to-face. (3) Provide all requested supporting documentation including Income/Asset documents needed to make a loan decision and signed disclosures. (4) Provide a fully-executed purchase contract which must include all pages, addendums, and required signatures.

Closing Date: Contract closing date must be at least 21 calendar days after receipt of a completed mortgage application, supporting documents, and a fully-executed purchase contract.

This offer is only available for new, residential first-lien loan applications submitted directly to Chase. Purchase applications with a property address received on or after February 4, 2019 are eligible for the Chase Closing Guarantee promotion.

For any property that receives an initial appraisal subject to repairs/completion, a final inspection will be required. Chase guarantees closing within 3 business days of receipt of a satisfactory final inspection.

The $1,000 cash back will be paid in the form of a check post-closing.

The Chase Closing Guarantee will not apply in any of the following cases: (1) Changes to the original closing date documented in the purchase agreement, (2) Changes in loan amount, product, or terms requested within 10 days of closing. (3) closing date extensions due to a delay in completion of new construction, improvements, or repairs being made to the subject property, (4) failure by either party to meet contract terms and requirements including seller related delays, (5) Transactions involving Co-ops, CEMAs, or requiring two (2) or more appraisals, (6) Delays due to force majeure events including weather, or natural disaster, (7) Chase Corporate Relocation Programs, VA and FHA loans, (8) Delays caused by 3rd parties other than Chase required service providers.

Chase reserves the right to amend, terminate, or withdraw the Chase Closing Guarantee at any time without prior notice.

Credit Card Point awards, grants, cash back, closing guarantees and other awards ("awards") transferred to you under the terms of the Program will be considered by Chase a discount of underwriting fees paid at mortgage closing. Any awards transferred at or outside closing in excess of the value of the underwriting fees may be considered miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person’s U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the program. You are responsible for any tax liability related to participating in the program. Please consult your tax advisor if you have any questions about your personal tax situation.

^{Footnote 2}Customer must be a Chase Sapphire Reserve primary cardmember on the mortgage closing date to be eligible for this offer.

This offer is only available for new, residential first-lien mortgage purchase loans submitted directly to Chase. Applications submitted to third parties are not eligible. Mortgage applications submitted after 3/19/2018 are eligible. Chase mortgage loan must be funded and closed in order to be eligible to receive 75,000 Ultimate Rewards points.

Approval of a credit card is not a guarantee of approval of a mortgage. Approval of a mortgage is not a guarantee of approval of a credit card. Applying for more than one credit product may reduce your chances of credit approval. Additional spending on credit products may also reduce your chances of loan approval.

After mortgage closing, Chase will review the account to ensure the eligibility criteria are met. This offer is not transferable, is limited to one per property at any given time and may be discontinued at any time without notice. 75,000 Ultimate Rewards points will be posted to the Primary Cardmember's account within 10 weeks after closing a purchase mortgage with Chase. Primary cardmember must be included on mortgage note and their Chase Sapphire Reserve account must be open and not in default as of the date of posting.

Credit Card Point awards, grants, cash back and other awards ("awards") transferred to you under the terms of the Program will be considered by Chase a discount of underwriting fees paid at mortgage closing. Any awards transferred at or outside closing in excess of the value of the underwriting fee may be considered miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the program. You are responsible for any tax liability related to participating in the program. Please consult your tax advisor if you have any questions about your personal tax situation.

^{Footnote 3}The Chase Private Client Mortgage Rate Program offers Chase Private Clients rate discounts of 0.125% for total deposits and investments of $250,000–$999,999 or 0.25% for $1,000,000+. These discounts apply to the full spectrum of residential mortgage types, including fixed and adjustable rate products for jumbo and conforming mortgages. For fixed rate mortgages the Private Client Mortgage Rate Program discount is for the life of the loan and until the first adjustment on adjustable rate mortgages. For the adjustable rate mortgages (ARM) product, the interest rate is fixed for a period of time and adjusts periodically thereafter. At the end of the fixed rate period, the interest rate and payments may increase. The APR may increase after loan consummation. The mortgage rate disclosed at the time of application will be based on current eligible banking and investment balances held by the customer(s) at JPMorgan Chase excluding any funds associated with the mortgage, such as down payment or closing costs.

The deposit and investment balances will be monitored throughout the loan process. If balances change during the mortgage purchase and refinance transaction, the initially quoted rate may increase or decrease and be adjusted prior to closing. New disclosures may be required. Balances used to qualify for the Private Client Mortgage Rate Program cannot be applied to costs associated with the mortgage, such as down payment or closing costs. Balances held in Chase Money Purchase Pension and Profit Sharing Plans are not factored into qualification for the Private Client Mortgage Rate Program and cannot be considered for overall mortgage qualification.

JPMorgan Chase does not require that customers structure or hold their balances in any particular type of account in order to qualify for a loan or the Private Client Mortgage Rate Program, nor does JPMorgan Chase require customers to purchase any nontraditional banking products or services (such as brokerage accounts). Personal banking and investment balances will be used to determine the appropriate mortgage rate discount.

"Chase Private Client" is the brand name for a banking and investment product and service offering.

^{Footnote 4}3% down payment on 30-year, fixed-rate mortgage with a loan amount of $153,158 and APR of 3.65% would require 360 monthly payments of $781. This payment example includes mortgage insurance, but does not include taxes and homeowners insurance. Actual payments will be higher.

Customer must supply certificate of completion for education course from an approved education provider.

The Homebuyer Education Benefit funds will be applied at loan closing first to points on the loan, if any, then to Chase fees, then to non-Chase fees or down payment.

FHA loans require an up-front mortgage insurance premium (UFMIP) which may be financed‚ or paid at closing and monthly premiums will apply.

For down payments less than 20% on conventional loans, Mortgage Insurance (MI) may be required and MI charges may apply.

A 3.5% down payment on 30-year, fixed-rate mortgage with a loan amount of $153,158 and APR of 3.65% would require 360 monthly payments of $688. This payment example includes mortgage insurance, but does not include taxes and homeowners insurance. Actual payments will be higher.

All 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 and deposit products offered by JPMorgan Chase Bank, N.A. Member FDIC.

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