Candy Lew
Senior Home Lending Advisor
NLMS ID: 694541
Fax:
(855) 634-3310
About Candy
Candy proudly serves clients in all 50 states. Candy has 14 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, lending to self-employed clients, fixed-rate mortgages, adjustable-rate mortgages, vacation home financing, and condo and co-op lending. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Candy is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Candy can help you get a clear picture of what might work best for you. Candy will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Candy wants to ensure that you have a positive home lending experience.
Loans & Products
Conventional mortgage
Jumbo Mortgage1
DreaMakerSM mortgage2
FHA mortgage3
Veterans Affairs (VA) loan4
Terms and rates
Mortgage Tools
Recent Reviews
Alex C
July 6, 2023
5 out of 5
We really enjoyed working with Candy. From the moment we began working with Candy, she displayed a remarkable level of knowledge and expertise in the mortgage industry. She patiently guided us through every step of the loan application and approval process, answering our numerous questions and concerns promptly and thoroughly. Her attention to detail and ability to explain complex concepts in a clear and understandable manner were truly commendable.
Candy's commitment to providing outstanding customer service was evident in her prompt responsiveness and availability. She promptly returned our calls, emails, and messages, addressing any inquiries or issues we had along the way. Her willingness to go above and beyond to ensure our needs were met and our expectations were exceeded was truly remarkable.
Furthermore, Candy demonstrated an exceptional level of professionalism and integrity throughout the entire process. She was transparent, honest, and trustworthy. Her proactive approach in keeping us informed of any updates or changes in a timely manner greatly contributed to a stress-free experience.
Thanks to Candy's expertise and dedication, we were able to close on our house loan within the expected timeframe. Her efficiency and attention to detail resulted in a seamless and efficient process. We are incredibly grateful for her hard work, diligence, and commitment to ensuring a successful outcome.
I strongly recommend Candy as a loan agent to anyone in need of mortgage services.
Response from Candy Lew
July 6, 2023
Thank you, Alex, for taking the time to write a review. We are delighted Candy Lew provided an exceptional experience. It was a pleasure working with you and hope you'll choose Chase again in the future!
Sincerely, Chase
Tun Tan
December 15, 2022
5 out of 5
Candy Lew is the best loan specialist I have interacted with. She is very responsive and knowledgeable, it was a pleasure working with her.
John Yamartino
February 5, 2023
5 out of 5
Candy Lew made all the difference in our experience. Her clarity, professionalism and responsiveness is very high.
Benjamin Chung
February 24, 2023
5 out of 5
We consider ourselves so blessed to have worked with Candy. She helped us close on our house in 21 days, and it would have been 9 days if I had been able to transfer assets over to Chase sooner (to qualify for the Chase relationship discount on our rate). She was a steadfast and stellar partner to us through the whole journey. She was remarkably responsive, detail-oriented and thoughtful each step of the way. She went above and beyond for us at the moments that mattered. She connected with the listing agent and put in a good word on our behalf, which helped us to win the offer. Candy also worked tirelessly to deliver the best terms for us, while continually keeping us in the loop. We really felt supported and can't thank Candy enough for helping us secure our new home!
BC
February 17, 2023
5 out of 5
We consider ourselves so blessed to have worked with Candy. She helped us close on our house in 21 days, and it would have been 9 days if I had been able to transfer assets over to Chase sooner (to qualify for the Chase relationship discount on our rate). She was a steadfast and stellar partner to us through the whole journey. She was remarkably responsive, detail-oriented and thoughtful each step of the way. She went above and beyond for us at the moments that mattered. She connected with the listing agent and put in a good word on our behalf, which helped us to win the offer. Candy also worked tirelessly to deliver the best terms for us, while continually keeping us in the loop. We really felt supported and can't thank Candy enough for helping us secure our new home!
Response from Candy Lew
February 17, 2023
We appreciate you leaving such a positive review for us. Here at Chase we strive for excellence, so we are pleased to hear we met your expectations. Enjoy your new home.
Sincerely, Chase
John Y.
February 5, 2023
5 out of 5
Candy provided the highest level of service and was so helpful and responsive. We would highly recommend her.
Response from Candy Lew
February 5, 2023
Thank you, John, for sharing your experience with us. We are delighted Candy Lew was responsive to your needs. It was a pleasure working with you and hope you'll choose Chase again in the future.
Sincerely, Chase
Melissa Prygoda
July 18, 2022
5 out of 5
Candy Lew was one of the best loan advisors I have ever worked with. She went above and beyond to ensure we were informed every step of the way and made the entire process simple and seamless. I have worked with different lenders on the past on previous properties and the experience has always been sub-par. Candy's expertise and commitment to us getting into a home turned around my experience and made it truly enjoyable.
John H
May 25, 2022
5 out of 5
Professional. Honest. Diligent. Candy is amazing to work with and delivers exceptional results. She is super responsive and helped us secure an out of state property. The real estate agents we worked with were concerned about not using a local lender in state. However, their comment at the closing was that Candy has restored their faith in California Big banks. This is the third time we’ve had the pleasure with Candy. She is definitely the best in the business.
Response from Candy Lew
May 26, 2022
John, it was a pleasure working with you. We're grateful you took the time to leave Candy Lew such positive feedback. This type of experience is exactly what we strive for. Your review made our day!
Sincerely, Chase
Joyce, G
May 20, 2022
5 out of 5
We have a good experience with Candy, and she made the whole process very smooth.
Response from Candy Lew
May 20, 2022
We appreciate you sharing your experience with us, Joyce. We are delighted Candy Lew was responsive to your needs. Thank you for your positive review.
Sincerely, Chase
Morris,S
May 10, 2022
5 out of 5
Candy Lew is an outstanding home lending advisor with Chase. She is professional and knowledgeable and stays on top of every detail throughout the entire loan process. I had complete confidence in her expertise and she has amazing follow through. She also is a pleasure to work with and I highly recommend her!
Response from Candy Lew
May 10, 2022
Thank you for that awesome review. We are glad to hear Candy Lew's knowledge was helpful to you. We're glad you chose Chase and hope to work with you again in the future.
Sincerely, Chase
Farmta S.
May 10, 2022
5 out of 5
Knowledgeable, friendly, dedicated and accessible.
Response from Candy Lew
May 10, 2022
Thank you, Farmta, for your review. We are thrilled Candy Lew was able to help you. If you need assistance in the future, please reach out!
Sincerely, Chase
Henry Y
May 10, 2022
5 out of 5
From first contact, Candy were knowledgeable, friendly and most importantly COMPETENT!!! She made sure all of our docs needed for the underwriters are ready before submission and never failed to be genuinely gracious and kind. The interest rate and terms of the loan we discussed were EXACTLY if not better than what we got. Candy personally made sure that we get every possible discount points from Chase. We strongly recommend Candy to anyone purchasing or refinancing a house.
Response from Candy Lew
May 10, 2022
Henry, we can't thank you enough for your positive review. We're grateful you took the time to leave Candy Lew such positive feedback. This type of experience is exactly what we strive for. Your review made our day!
Sincerely, Chase
Dirk H
May 9, 2022
5 out of 5
Over the past 8 years we have financed (and refinanced multiple homes with Candy typically in extremely competitive environments where shorter closing made the difference between getting an offer accepted and not.
Candy has proven multiple times that she can deliver faster than any other lending specialist we have worked with.
In fact, we had cases where even realtors did not expect that fast of a closing and thus were not available to deliver the keys.
That all is to say that Candy is the best in the market and we will definitely leverage her skills for future real estate purchases or refis.
Response from Candy Lew
May 10, 2022
We are so happy that Candy Lew provided such great service to you Dirk. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations. Reviews like yours help our business grow!
Sincerely, Chase
Brandon F
May 9, 2022
5 out of 5
My wife and I recently used Candy Lew's help with a home loan in the bay area. She came highly recommended by my brother. After going through the pre-approval and home mortgage process with Candy, I can honestly say she was nothing short of amazing! Throughout the process, several factors were evident:
Trust: We felt that Candy really handled our situation with care and provided sound judgment and advice throughout the process. We had many questions throughout a long process of searching for homes, securing a loan, what to expect on down payment/monthly payment, what the process will be, etc., and Candy answered all of our questions with patience and was thorough. She always responded quickly, usually within minutes or that day, and we felt a high level of trust with her handling our situation.
Transparency: We felt that Candy consistently kept us in the loop, informed us on expectations, and gave us sound advice on what we should be thinking about whether it was in factors to consider when picking loan types, how much we needed to put down for the down payment, or what we could potentially afford.
Professional: Candy is very positive, communicates clearly, and works super hard. She was always on top of every tasks/activity that needed to happen in our loan process.
In addition, we felt that Candy got us the best rate available at the time! Of the 4 homes that we've purchased in the bay area, our experience working with Candy was the best and one of the smoothest. Thank you so much, Candy, you did an amazing job!
I would definitely recommend Candy to help my family and friends with home lending needs.
Response from Candy Lew
May 10, 2022
Your review of Candy Lew made us so happy, Brandon. Here at Chase, we work hard to meet the unique needs of our customers. Thank you for choosing Chase!
Sincerely, Chase
Chris W.
May 9, 2022
5 out of 5
Candy is by far the best mortgage officer I have ever encountered. She's friendly, professional, knowledgeable and incredibly efficient. 10/10 recommend :)
Response from Candy Lew
May 9, 2022
Thank you, Chris, for your rave review. We are delighted Candy Lew provided an exceptional experience. Working with you was truly our pleasure.
Sincerely, Chase
Adam Green
May 14, 2020
5 out of 5
Candy Lew was fantastic throughout the whole process.
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Facing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by committing $30 billion by the end of 2025 to advance economic growth and opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from prequalification to finding the right loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.
Buying a home is a huge step, especially when you’re moving from renting to owning.
Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation.
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM) could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase mortgage rates
Purchase
Refinance
The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.
Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit. See estimated monthly payments
Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments
Depending upon your credit profile, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit. See estimated monthly payments
Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments
Depending upon your credit profile, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.
1. Loans up to 85% of a home's value are available on a purchase or refinance with no cash back, subject to property type, a required minimum credit score and a minimum amount of monthly reserves (i.e., you must set aside enough money in reserve to make a specified number of monthly mortgage payments principal, interest, taxes, insurance and assessments after the loan closes). Product restrictions apply. Jumbo loans available up to $9.5 million. For loan amounts greater than $3MM (or $2MM for investment properties), customers must meet post-closing asset requirements to qualify. Additional restrictions may apply. Please contact a Chase Home Lending Advisor for details.
2. The DreaMaker mortgage is only available for purchase and no-cash-out refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms. Income limits and homebuyer education apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A Certificate of Eligibility (COE) from the VA is required to document eligibility. Restrictions and limitations apply.
5. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase is not responsible for the real estate services and the search results provided by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
6. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
7. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
8. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
9. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)
JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.
All home lending products except IRRRL 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 products provided by JPMorgan Chase Bank, N.A. Member FDIC
2. The DreaMaker mortgage is only available for purchase and no-cash-out refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms. Income limits and homebuyer education apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A Certificate of Eligibility (COE) from the VA is required to document eligibility. Restrictions and limitations apply.
5. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase is not responsible for the real estate services and the search results provided by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
6. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
7. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
8. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
9. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)
JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.
All home lending products except IRRRL 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 products provided by JPMorgan Chase Bank, N.A. Member FDIC