Ennell Esperance
- Chase Certified in VA Loans
- Chase Certified in Chase Private Client Lending
Recent Reviews
- Rating 5.0December 24, 2022Great customer service
- Rating 5.0October 31, 2022Excellent. Mr Esperance explained the lending process and rationale for same. He asked relevant questions regarding the documentation I submitted in a non-threatening manner and with respect. His verbal and non-verbal demeanor contributed to my sense of comfort interacting. I did not feel rushed. His response to my inquiries were relevant to same and was not evasive.Response from Ennell EsperanceOctober 31, 2022Thank you for your review. We are delighted Ennell Esperance provided an exceptional experience. We hope to you visit us again soon.
Sincerely, Chase - Rating 5.0September 26, 2022Ennell is very knowledgeable and resourceful. I'm happy we choose him as our home lending advisor. He was very patient with us, he answered all of the questions we had, even a silly ones. Ennell provided exceptional service and professionalism throughout the entire process. I'm very pleased we were able to closed the deal. A+
- Rating 5.0September 1, 2022This is my first home purchase and frankly, having had negative experiences with banks in the past, and considering that Chase is such a large bank and my purchase was small, I had very low expectations. I was completely incorrect and was stunned at the level of service I received. Ennell Esperance and his team were absolutely fantastic. Ennell was patient, kind, friendly, super responsive, very professional, and informative. I work in client services as well and he exhibited a level of customer service that I simply do not see anymore, ever. Everyone else I interacted with was wonderful as well, especially Daniel Vanatta. In addition, although as I said I am aware that my purchase was very small, I felt that Ennell and his boss were the only individuals at my closing (aside from my attorney) who exhibited professionalism, and so I was extra appreciative of this.
- Rating 4.5May 28, 2020Everything went well. The only thing that could have been better is if Chase could have arranged to pay off the debts I wanted paid off by direct payment to them, instead of giving me physical checks and then encumbering on me to get these physical checks to my creditors. This quite a task for me.
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
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 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. 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.
Sincerely, Chase