Ernest Bonny
- Chase Certified in VA Loans
Recent Reviews
- Rating 5.0April 20, 2023Great customer service
- Rating 4.5March 12, 2023Enjoyed working with Nicole and Ernest. Both worked hard and did a fantastic job.
- Rating 5.0March 2, 2023Ernest Bonny and Victoria Rueda were absolutely fantastic. The entire process beginning to end was smooth, seamless and flawless. They took the time to answer all my questions, explain my concerns and guide me in the right direction.
- Rating 5.0February 17, 2023Ernest is great.
- Rating 5.0February 7, 2023Excellent service and response time from Ernest Bonny.
- Rating 5.0December 8, 2022Again Chase delivered for me on another mortgage for me. Ernest, his team & the Under Writers all were top class and superb to get this mortgage closed for me and on time. The personal relationships I have developed with the team makes it a pleasure to always do business with my bank. I constantly refer friends and realtors based on the superb experience I have with Ernest over the last 5 years.
- Rating 5.0November 25, 2022The mortgage expert I worked with, Ernest Bonny, at Chase went above and beyond to help me through this mortgage process. He was professional and knowledgeable, patient and understanding. Mr. Bonny kept me updated and informed as the application process progressed.
I would definitely recommend Mr. Bonny and Chase to anyone looking to refinance or purchase a home. - Rating 5.0September 4, 2022It was awesome to work with Stephanie, Ernest and the entire team. I appreciate all the help and how easy it was to get the loan processed and completed. Thank you.
- Rating 5.0August 21, 2022Ernest Bonny and his team are exceptional, and went above & beyond for us. Ernest, in particular, makes himself available during ordinary business hours, but also in the evenings, on weekends, and even on holidays such as Father's Day. This type of stellar customer service and dedication is unheard of. Ernest and his team made us feel like we were their only clients.
Our home search commenced in March and concluded in July. Ernest was with us during every step of the home-buying process, providing updated pre-qualification letters, speaking with our agent, speaking with the sellers agents, etc. Ernest and his team, worked seamlessly with our agent, attorney, and kept the loan application/appraisal process moving internally at Chase. The timeline from the date of the accepted offer to the closing was less than one month!
Our attorney and agent were blown away by Ernest and his team. We are so appreciative to have worked with Ernest and his team. They are truly phenomenal. - Rating 4.5August 19, 2022All did an excellent job!
- Rating 5.0May 16, 2020Bonnie Earnest is the best! He kept following up with since last Oct, keep giving me useful information. Keep contacting me and tutor me throughout the whole process. He is very detail person when handling the application forms. He wanted make sure everything is in place and accurate. He showed the highest professionalism. I really appreciate that! I had choice of Quickloan. But his faithfulness draw me to CHASE.
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
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.
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
About Chase Home Lending
1. 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) 2. 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. 3. This Homebuyer assistance finder (Tool) is provided by Workforce Resource, LLC, and is not affiliated with JPMorgan Chase, N.A. (Chase). The Tool is provided as a courtesy for the purpose of finding available grants in your area. Chase does not guarantee the search results. Program availability and eligibility criteria are subject to change without notice. Neither the accuracy of program information nor the suitability of a program for your situation are guaranteed. The search results displayed should not be considered an exhaustive list of grants that may be available for you. Speak with a Chase Home Lending Advisor for more specific information or to learn about additional programs. 4. The 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 purchase loan. The Homebuyer Grant may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Information) 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. 5. The Chase VA Loan Purchase Closing Cost Benefit will be applied at closing first to points on the loan, if any, then to Chase fees, then to non-Chase fees. Closing cost benefit may not be used for the down payment and any remaining funds will be applied as a principal reduction. The benefit is available only on primary residence purchase loans and is not available for any refinance loans. The Chase VA Loan Purchase Closing Cost Benefit may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Information) 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. Ð'd6. 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. 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. Member FDIC
Sincerely, Chase