Lynne Billac
Recent Reviews
- Rating 5.0January 14, 2022Lynne is amazing! As a first time home buyer (under a time crunch no less) I had SO many questions about the process. Lynne was always available to answer my questions (phone/email/in-person) no matter how basic they were. She walked me through everything from rate lock, picking the right mortgage for my needs, and the loan and closing processes, always explaining what was happening and why. She wanted to ensure that 1. I was informed and 2. that I was picking the right Chase product for my needs. She was so responsive which was incredibly reassuring. Lynne went over all the different paperwork, walked me through the closing estimate and educated me on what closing day would be like ("this form means x". At the closing (which was just between me and the title company rep due to COVID), I felt fully prepared for all the paperwork I was signing. Lynne cares so much about her clients and is genuinely excited to see them make their way through the process to moving day (or a refi). Her guidance helped me avoid so many hiccups and pitfalls along the way. I know she does a great job with all her clients, but as a first time home buyer, she took the time to reassure me as I made the biggest purchase of my life. She has so much great advice and knowledge about mortgages - if you listen to her and follow her instructions to the T the loan process will be easy. I'd recommend her to anyone!
What Chase offers
Frequently Asked Questions
Buying a home is a huge step, especially when you’re moving from renting to owning.
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!”
• 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
About Chase Home Lending
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)
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 topay. 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.
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. The APR may increase after the loan consummation
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.
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 products offered by JPMorgan Chase Bank, N.A.
The statements, views and opinions expressed about a product or service received are those of the customer. All results, outcomes, and experiences may not be the same for all customers. JPMorgan Chase Bank N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the information or opinions expressed.
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