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Nick A. Alfman

Home Lending Advisor
NMLS ID: 496044
Primary:
(332) 799-3977
Fax:
(866) 760-6210
About Nicholas
Nick proudly serves clients nationwide. Nick has 12 years of experience as a Home Lending Advisor. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Nick is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Nick can help you get a clear picture of what might work best for you. Nick 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, Nick wants to ensure that you have a positive home lending experience.
Nicholas's achievements
National Achievers
Nicholas's certifications
Chase Certified in VA Loans
Chase Certified in Down Payment Assistance Programs
Loans & Products
Chase MyHome6. All things home. All in one place.
Sign in to Chase MyHome to search for the home you’d like, see sales trends, estimate your budget, find a loan and more.
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Search home listings, neighborhood information and more, based on your needs.
Explore homes
What's your price range?
How much home can you afford? Enter you information to help determine your homebuying budget.
Go to affordability calculator7
Explore your options
For a first home or refinance8. Compare rates, see loan options and find offers that meet your needs and goals.
See your loan options
Facing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by committing $30 billion by the end of 2025 to advance economic growth and opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from preapproval5 to finding a loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
How can I get information on mortgage loan options?
What documents will I need to apply for a mortgage?
What is better: a fixed or an adjustable interest rate?
Current Chase mortgage rates10
Purchase
Refinance
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.


Purchase: 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 $350,000 with a down payment of 20%. 30-year fixed FHA based on a loan amount of $250,000 with a down payment of 3.5%. 30-year fixed jumbo based on a loan amount of $1,300,000 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 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 $350,000 with a loan to value of 75%. 30-year Jumbo based on a loan amount of $1,300,000 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.


Depending upon your credit profile and loan amount, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
Chase customer shaking hands with a client
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.
1. Loans up to 85% of a home's value are available on a purchase or refinance with no cash back, subject to property type, a required minimum credit score and a minimum amount of monthly reserves (i.e., you must set aside enough money in reserve to make a specified number of monthly mortgage payments principal, interest, taxes, insurance and assessments after the loan closes). Product restrictions apply. Jumbo loans available up to $9.5 million. For loan amounts greater than $3MM (or $2MM for investment properties), customers must meet post-closing asset requirements to qualify. Additional restrictions may apply. Please contact a Chase Home Lending Advisor for details.
2. The 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 course is required when all mortgage applicants are first time homebuyers.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and an FHA annual mortgage insurance premium (MIP) paid monthly will also apply.
4. Veterans, Servicemembers, 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.
5. A preapproval is based on a review of income and asset information you provide, your credit report and an automated underwriting system review. The issuance of a preapproval letter is not a loan commitment or a guarantee for loan approval. We may offer a loan commitment after you submit an application and we perform a final underwriting review, including verification of any information provided, property valuation and, if applicable, investor approval, which may result in a change to the terms of your preapproval. Preapprovals are not available on all products and may expire after 90 days. Contact a Home Lending Advisor for details.
6. 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.
7. 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.
8. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
9. 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.


10. 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.


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)


JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.


All home lending products except IRRRL (Interest Rate Reduction Refinance Loan) 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 provided by JPMorgan Chase Bank, N.A. Member FDIC