FHA loans in Denver, Colorado

¹FHA loans require an up-front mortgage insurance premium (UFMIP) which may be financed, or paid at closing and monthly premiums will apply.

²3.5% down payment on a 30-year, fixed-rate loan of $153,158 with an interest rate of 5.125% / 5.195% APR will have 360 monthly principal and interest payments of $833.93. Payments shown do not include taxes and insurance. Actual payments will be higher. This is assuming a New Jersey purchase transaction, 45-day lock, 96.5% LTV, 720 FICO, detached single family, owner-occupied, closest to zero points, rates change daily.

³The Chase Homebuyer Grant is available on primary residence purchases only. Customer may be eligible for the $2,500 or $5,000 savings when applying for a DreaMaker℠, Standard Agency, FHA and VA home purchase mortgage loan product and where applicable census tract requirements are met. Income limits and homebuyer education apply on a DreaMaker mortgage.

The Chase Homebuyer Grant funds will be applied at purchase loan closing first to points on the loan, if any, then to Chase fees, then to non-Chase fees or down payment. Grant funds may not be used for the down payment on an FHA or VA purchase loan.

The Homebuyer Grant may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person’s U.S. Source Income Subject to Withholding) to the customer and the IRS, for the year in which they are awarded. We encourage customers to consult with a personal tax advisor for questions about the impact to personal income tax returns.

Your Home Lending Advisor can help you find providers that offer online courses at potentially no cost to you and answer any questions you may have. For a list of HUD Approved Housing Counseling Agencies in your area, also call 1-800-569-4287 or visit HUD.gov and search for "counseling agencies" and then sort by your state name.

⁴Tools 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.

⁵The Chase Closing Guarantee offers assurance to customers purchasing a home with a Chase mortgage that the loan will close on or before the Contract Closing Date, or the customer will receive monetary compensation in the form of a check, post-closing.

Eligibility: To be eligible for the Chase Closing Guarantee, the customer must (1) Have a Chase product relationship (other than the mortgage being applied for) at the time of closing. A Chase product means a mortgage loan, home equity line of credit, credit card, auto finance loan, and checking and/or savings account. Corporate Relocation customers must have a Chase checking or savings account to be eligible. Chase product relationship not required for eligibility on FHA/VA transactions. (2) Complete a mortgage application online, by telephone, or face-to-face. (3) Provide all requested supporting documentation including income/asset documents needed to make a loan decision and signed disclosures. (4) Provide a fully-executed purchase contract which must include all pages, addendums, and required signatures. Closing Date: This offer is only available for new, residential first-lien loan applications submitted directly to Chase. If obtaining conventional financing, the contract closing date must be at least 21 calendar days after receipt of a completed mortgage application, supporting documents, and a fully-executed purchase contract. If obtaining FHA or VA financing, the contract closing date must be at least 30 calendar days after receipt of a completed mortgage application, supporting documents, and a fully-executed purchase contract. For required FHA/VA specific home repairs, Chase guarantees closing within the later of 5 business days from receipt of satisfactory repairs or date agreed upon to close at application. (5) Final Inspection for New Construction: For any property that receives an initial appraisal subject to repairs/completion, a final inspection will be required. Chase guarantees closing within 3 business days of receipt of a satisfactory final inspection. (6) Condo must be FHA or VA (as applicable) approved at application submission. (7) Conventional Purchase applications with a property address received on or after February 4, 2019 are eligible for the Chase Closing Guarantee. (8) FHA/VA Purchase applications with a property address received on or after April 9, 2021 are eligible for the Chase Purchase Closing Guarantee.

Ineligibility: The Chase Closing Guarantee will not apply in any of the following cases: (1) Refinances. (2) Customer or seller initiated changes to the original closing date documented in the purchase agreement. (3) The following customer or seller initiated changes within 10 days of closing: loan amount, product, contract terms interest rate and initial rate locks. (4) Closing date extensions due to a delay in completion of new construction, improvements, or repairs being made to the subject property. (5) Failure by either party to meet contract terms and requirements, including seller-related delays. (6) Transactions involving Cooperative projects (Coops), Consolidation, Extension and Modification Agreements (CEMAs), or requiring two or more appraisals. (7) Delays due to force majeure events, including weather or natural disaster. (8) Chase Corporate Relocation loans without a Chase checking or savings account at the time of closing. (9) Delays caused by third parties other than Chase required service providers. (10) Delays due to customer's failure to respond to Chase requests within 2 business days. (11) Delays due to non-arm's length transactions (a purchase transaction in which a direct personal, financial or business relationship exists among any of the parties to the transaction). Chase reserves the right to amend, terminate, or withdraw the Chase Closing Guarantee at any time without prior notice.

Credit Card Point awards, grants, cash back, closing guarantees, and other awards (“awards”) transferred to you under the terms of the program will be considered by Chase a discount of underwriting fees paid at mortgage closing. Any awards transferred at or outside closing in excess of the value of the underwriting fees may be considered miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the program. You are responsible for any tax liability related to participating in the program. Please consult your tax advisor if you have any questions about your personal tax situation.

⁶The 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.

⁷The 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.

A 3% down payment on a 30-year, fixed-rate loan of $153,158 with an interest rate of 3.625% / 4.2336% APR will have 360 monthly principal and interest payments of $822.28. Payments shown do not include taxes and insurance. Actual payments will be higher. This is assuming a New Jersey purchase transaction, 45-day lock, 97% LTV, 720 FICO, detached single family, owner-occupied, closest to zero points, rates change daily.

The APR shown is based on the Interest Rate and Points only and does not take into account other Loan specific Finance charges you may be required to pay

The $500 Homebuyer Education Benefit is available on DreaMaker℠ primary residence purchases only. Customer must supply certificate of completion for education course from an approved education provider. The $500 Homebuyer Education Benefit funds will be applied at loan closing first to points on the loan, if any, then to Chase fees and then to non-Chase fees. The $500 Homebuyer Education Benefit may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) to the customer and the IRS, for the year in which they are awarded. We encourage customers to consult with a personal tax advisor for questions about the impact to personal income tax returns.

Your Home Lending Advisor can help you find providers that offer online courses at potentially no cost to you and answer any questions you may have. For a list of HUD Approved Housing Counseling Agencies in your area, also call 1-800-569-4287 or visit HUD.gov and search for “counseling agencies” and then sort by your state name.

⁸Standard Agency mortgages require at least one customer on the loan be a first-time homebuyer to be eligible for the LTV>95%. Homebuyer education requirements may apply.

⁹Veterans, Service members 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.  

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. 

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.

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.

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. 

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.