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Carol Lei

Carol Lei

Senior Home Lending Advisor
NMLS ID: 602714
"I am committed to providing you with the highest quality products and services."
Contact Carol
Address:
252-34 Northern Blvd
Little Neck, NY 11363
US
Phone:
Primary:
Fax:
Cellular:
Email:
carol.lei@chase.com
Languages Spoken
Fluent in Mandarin and Cantonese

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About Carol
With fluency in Cantonese and Mandarin, Carol proudly serves clients in the Little Neck, NY area. Carol has 9 years of experience as a Senior Home Lending Advisor. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Carol is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Carol can help you get a clear picture of what might work best for you. Carol 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, Carol wants to ensure that you have a positive home lending experience.

Recent Reviews

5.0 out of 5
Rating 5.0
(Based on 6 Reviews)
  • 5 out of 5
    Rating 5.0
    Shirley and I greatly appreciate that you lead us to went through our first-time home mortgage process and amazingly made it closing less than 45 days. We feel so lucky to have your team as a leading man for our first-time home mortgage processing. We would like to especially thank to Justin, Carol, Lisette, John, and all other team members who were involved in the processing. You made the process so smoother and easier!
    Thank you again for your professional help.
    Michael and Shirley
  • 5 out of 5
    Rating 5.0
    Carol, my Home Lending Advisor, was absolutely amazing. She made what is normally a stressful process very easy and pleasant. She is a consummate professional and goes out of her way to make sure the customer feels taken care of. Same goes for her assistant John and loan processor, Lisette. They were both very responsive, friendly, and knowledgeable. Overall, my experience with Chase was outstanding and I will definitely come back to Chase for any home lending needs.
  • 5 out of 5
    Rating 5.0
    I would like to say big thanks to Carol. She definitely knows from top to bottom all the processes to help people who buy a house for the first time. She helped us a lot. She is smart and very responsible! Thank you so much, Carol!
  • 5 out of 5
    Rating 5.0
    Carol Lei, the home lending advisor, and John Lo, the home lending assistant, were very professional, thorough, knowledgeable, and efficient. They always responded back in a timely fashion and provided us with the best experience we probably could have received. We are thankful for their service and would definitely recommend them to our friends and family, when needed.
  • 5 out of 5
    Rating 5.0
    Carol Lei was excellent throughout this mortgage process! Highly professional and extremely responsive. Always there when I needed some information or just an update. She will be my go to specialist if I ever need to apply for another mortgage. I would recommend her to all my friends as well!
  • 5 out of 5
    Rating 5.0
    Working with Carol Lei was pleasant & informative. She explains the process clearly & is very straight forward. This was important to me since I was a first time in refinancing process. Will recommend her to every person I know who is in need of financing.
Displaying reviews 1 - 6 out of the 6 most recent

What Chase offers

Chase customers reviewing a home loan
Home loans
Whether you want to purchase a new home, refinance or access cash using the equity in your home, we offer a variety of options and expert advice to help achieve your goals.
Customer looking at the Chase mortgage application tool
Mortgage application tool
Get convenient online access to view and e-sign forms, upload documents, track your status and communicate with your Chase home lending team.
Customer reviewing Chase's MyHome dashboard
Chase MyHomeSM dashboard
Sign in online anytime after your closing for in-depth views of your home loan, taxes, insurance, neighborhood sales trends 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.
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!”
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
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

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

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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.

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.