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  • The Private Bank’s mission is to build, preserve & transform our client’s wealth.

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  • We have worked with clients for more than 200 years to help them achieve their unique ambitions.

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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 mortgage solutions that are 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.

Why get a private bank mortgage with J.P. Morgan?

 

Within the U.S., our mortgage specialists are experienced 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 solution 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.

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 & Portfolio Implementation

Our approach to mortgage solutions

 

When you’re a J.P. Morgan U.S. 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 nontraditional entities. 
  • Conditional approval process that allows you to act quickly when you’ve found the right home. 
  • Streamlined processing, with one of our mortgage specialists as your single point of contact from application to closing.
  • Relationship pricing for clients with at least $3 million in investments or deposits with J.P. Morgan.

 

Benefits of choosing J.P. Morgan Private Bank for real estate financing

 

We offer our U.S. clients highly competitive rates for jumbo mortgages with 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 on jumbo mortgages 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.

 

1Loans below $650,000 will include a two percent (2%) origination fee.

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.



Mortgage coverage

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

 

 

Real Estate Lending Services

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Real Estate lending Services

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's suitable for you.
Learn More

Commercial Real Estate

As an owner, your goal is to maximize the value of your commercial real estate assets. Depending on the location, collateral type and quality of the property you're financing, we can help identify the type of funding that is suitable for you.
Learn More

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Important Information

JPMorgan Chase & Co., its affiliates, and employees do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal and accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transaction.

This webpage content is for information/educational purposes only and may inform you of certain products and services offered by private banking businesses, part of JPMorgan Chase & Co. Products and services described, as well as associated fees, charges and interest rates, are subject to change in accordance with the applicable account agreements and may differ among geographic locations. Not all products and services are offered at all locations. 

General Risks & Considerations

Any views, strategies or products discussed in this content may not be appropriate for all individuals and are subject to risks. Investors may get back less than they invested, and past performance is not a reliable indicator of future results. Asset allocation/diversification does not guarantee a profit or protect against loss. Nothing in this content should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. For this and more complete information, including discussion of your goals/situation, contact your J.P. Morgan team.

Non-Reliance

Certain information contained in this content is believed to be reliable; however, J.P. Morgan does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this content. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this content, which are provided for illustration/ reference purposes only. The views, opinions, estimates and strategies expressed in this content constitute our judgment based on current market conditions and are subject to change without notice. J.P. Morgan assumes no duty to update any information on this website in the event that such information changes. Views, opinions, estimates and strategies expressed herein may differ from those expressed by other areas of J.P. Morgan, views expressed for other purposes or in other contexts, and this content should not be regarded as a research report. Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circumstances. Forward-looking statements should not be considered as guarantees or predictions of future events.

Nothing in this website shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing in this website shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P. Morgan and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P. Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

Legal Entity, Brand & Regulatory Information

In the United States, bank deposit accounts and related services, such as checking, savings and bank lending, are offered by JPMorgan Chase Bank, N.A. Member FDIC.

JPMorgan Chase Bank, N.A. and its affiliates (collectively “JPMCB”) offer investment products, which may include bank-managed investment 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. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPM. Products not available in all states.

References to “J.P. Morgan” are to JPM, its subsidiaries and affiliates worldwide. “J.P. Morgan Private Bank” is the brand name for the private banking business conducted by JPM. This material is intended for your personal use and should not be circulated to or used by any other person, or duplicated for non-personal use, without our permission. If you have any questions or no longer wish to receive these communications, please contact your J.P. Morgan team.

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To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products. 

 

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. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

 

Please read the Legal Disclaimer for J.P. Morgan Private Bank regional affiliates and other important information in conjunction with these pages.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • 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

Bank deposit products, such as checking, savings and bank lending and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

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