Mortgages

At the Private Bank, we’re well acquainted with the needs—and the opportunities—that complex real estate financing can create. And we have the requisite skills and experience to help you identify the strategy that is right for you. We’ll present options that get you the loan you need and address related issues. Like estate planning. Taxes. And liquidity. Because a mortgage shouldn’t be just a mortgage. It should be a tool working hard for your big-picture wealth plan.

Our mortgage advisors are specialized partners in the process. They’ll present a range of tax-efficient strategies for you to discuss with your wealth advisors, and offer personalized recommendations regarding structure, term and type of loan.

We design each mortgage to fit your personal situation. It could be purchasing a new home. Refinancing an existing mortgage. Or getting access to the equity in your home.

An exceptional approach, so that you feel at home

When you’re a J.P. Morgan Private Bank client, our mortgage process comes with an extraordinary level of service:

Nontraditional financing and underwriting capabilities.
Ability to structure loans to trusts, LLCs, and partnerships, or other non-traditional entities.
Conditional approval process that allows you to act quickly when you’ve found the right home.
Streamlined processing, with one of our mortgage advisors as your single point of contact from application to closing.
Relationship pricing for clients with at least $1 million in investments or deposits with J.P. Morgan.

The delight is in the details

We offer highly competitive rates for jumbo mortgages and a range of features and benefits:

Preferred rate for new-purchase mortgages.
Complimentary rate reduction if interest rates drop 0.25% or more between application and closing.
No fees charged by J.P. Morgan.¹ Pay only third-party costs incurred on your behalf, such as appraisals.
Loan closings in a location you select.
Option to make and manage mortgage payments via our smartphone or tablet, J.P. Morgan MobileSM.

¹A one-point (1%) fee applies for loans under $484,350

We look across your entire balance sheet and consider costs, taxes and cash flow. So it’s not just a mortgage. It’s a liquidity strategy that supports your wealth plan.

Ari Katz, Global Head of Products & Advice

Home buying without borders

With our global reach, we can provide mortgages for properties located inside and outside of the United States.

The Private Bank has a long track record of helping U.S. and non-U.S. clients finance primary and secondary homes and residential investment properties in the United States, United Kingdom, France, Switzerland, Hong Kong and Singapore.

Global mortgage coverage

The map highlights J.P. Morgan office presence in the United States, the United Kingdom, France, Switzerland, Singapore and Hong Kong.

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JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, which may include bank-managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC ("JPMS"), a member of FINRA and SIPC. JPMCB and JPMS are affiliated companies under the control of JPMorgan Chase & Co. Products not available in all states. Please read the Legal Disclaimer in conjunction with these pages.

INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

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