Agent Profile Photo
Chelsea McCollum

Chelsea McCollum

Senior Home Lending Advisor
NMLS ID: 1112460
"I am here to make the dream of homeownership meaningful and enjoyable for each and every one of my customers."
Contact Chelsea
Address:
601 Crater Lake Ave
Medford, OR 97504
US
Phone:
Primary:
Email:
chelsea.mccollum@chase.com
About Chelsea
Chelsea proudly serves clients in the Southern Oregon Area. Chelsea has 12 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, lending to self-employed clients, low-to-moderate income lending programs, FHA and VA mortgages, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Chelsea is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Chelsea can help you get a clear picture of what might work best for you. Chelsea 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, Chelsea wants to ensure that you have a positive home lending experience.

Recent Reviews

4.8 out of 5
Rating 4.8
(Based on 5 Reviews)
  • 5 out of 5
    Rating 5.0
    Chelsea was able to keep our loan on track to funding.
    Response from Chelsea McCollum
    Robin, it was a pleasure working with you. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations. We're glad you chose Chase and hope to work with you again in the future.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Great customer service. Didn't quit till the job was complete and approved. Chelsea went the extra mile for everything. She did an excellent job.
    Response from Chelsea McCollum
    We are so pleased that Chelsea McCollum was able to provide such a positive experience for you, Dwight. Here at Chase, we work hard to meet the unique needs of our customers. Your review is very much appreciated.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    You gave me great information.
    Response from Chelsea McCollum
    Thank you, Victoria, for your review. We are glad to hear Chelsea McCollum's knowledge was helpful to you. Your review is very much appreciated.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Chelsea did a great job handling all our questions as first time homebuyers. She coordinated well with the title office and realtor. Altogether, Chelsea helped make our homebuying experience much less stressful and I am very grateful for that
    Response from Chelsea McCollum
    Your review of Chelsea McCollum made us smile, Rebecca. Here at Chase we strive for excellence, so we are pleased to hear we met your expectations! Thank you for choosing Chase for your first home purchase.
    Sincerely, Chase
  • 4 out of 5
    Rating 4.0
    We were a challenge (small loan and inexperienced investors), and Chelsea persisted. Always polite and hardworking! We had different communication preferences (e-mail vs. phone) but it worked out. She made lots of efforts to clarify things that were confusing to us. Thank you, Chelsea!
    Response from Chelsea McCollum
    Thank you, Sandy, for your great review! We understand in times like these that our customers require us to be more flexible and we are so pleased to hear that Chelsea McCollum was able to be that for you. Reviews like yours help our business grow!
    Sincerely, Chase
Displaying reviews 1 - 4 out of the 5 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

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.

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 topay. 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.