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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 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.

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

 

Within the U.S., our mortgage specialists 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.

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.

An exceptional approach, so that you feel at home

 

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

  • 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.

 

The delight is in the details

 

We offer our U.S. clients 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.

 

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.

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, Hong Kong and Singapore.

 

Global mortgage coverage

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

Real Estate Lending Services

*This material is distributed with the understanding that it is not rendering accounting, legal or tax advice. Consult your legal or tax advisor concerning such matters. For a complete discussion of risks associated with any investment, please review offering memorandum and speak with your J.P. Morgan Advisor. JPMorgan Chase & Co. and its subsidiaries do not render accounting, legal or tax advice.

Contact us to discuss how we can help you experience the full possibility of your wealth.

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LEARN MORE About Our Firm and Investment Professionals Through FINRA Brokercheck

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 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. Not a commitment to lend. All extensions of credit are subject to credit approval.