Ritu Verma
Senior Home Lending Advisor
NMLS ID: 671225
Languages spoken
hindi
About Ritu
With fluency in Hindi, Ritu proudly serves clients in the Sammamish, WA area. Ritu has 18 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, fixed-rate mortgages, adjustable-rate mortgages, vacation home financing, condo and co-op lending, and first-time homebuyer programs. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Ritu is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Ritu can help you get a clear picture of what might work best for you. Ritu 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, Ritu wants to ensure that you have a positive home lending experience.
Ritu's certifications
Chase Certified in FHA Loans
Chase Certified in VA Loans
Chase Certified in Chase Private Client Lending
Chase Certified in Down Payment Assistance Programs
Loans & Products
Conventional mortgage
Jumbo Mortgage1
DreaMakerSM mortgage2
FHA mortgage3
Veterans Affairs (VA) loan4
Terms and rates
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See your loan optionsRecent Reviews
Sumit P
October 5, 2023
5 out of 5
I am so grateful to have worked with Ritu as my lender for buying my first home. She was very supportive, knowledgeable, and responsive throughout the process, from pre-approval to closing. She always explained the options and details clearly, answered all my questions promptly, and kept me updated on the status of my loan. She also helped me secure a great interest rate and terms that suited my budget and goals. She also communicated well with my realtor, the seller's agent, and the title company, and made sure everything was on track and ready for closing. She made the whole experience smooth and stress-free, and I would highly recommend her to anyone looking for a reliable and professional lender. Thank you, Ritu, for helping me achieve my dream of homeownership!
Response from Chase
October 5, 2023
It means so much to us that you left such positive feedback, Sumit. There are so many great purchase options available with Chase. We are pleased to hear that Ritu Verma was able to provide such great assistance in outlining them for you. Thank you for choosing Chase for your first home purchase.
Sincerely, Chase
Keerthi, R
June 19, 2023
5 out of 5
Ritu was always very quick to respond to any questions and more than willing to give me detailed explanations for all the questions I asked. Me being a first time home buyer, she was extremely helpful and made the entire process easy and smooth. It was a pleasure working with her and I would highly recommend her to anyone.
Response from Chase
June 19, 2023
We love helping customers purchase their dream home, Keerthi. We are delighted Ritu Verma provided an exceptional experience. Thank you for choosing Chase for your first home purchase.
Sincerely, Chase
Leonard Carder
December 29, 2022
5 out of 5
It was a great experience all around!
Leonard C
February 3, 2023
5 out of 5
Ritu is an amazing Home Lending Advisor!
She is so incredibly thorough, thoughtful and professional in everything she does. She has truly been one of the highlights in our home buying and refinancing engagements over the past several years. All of our realtors and title companies always commented on how much care and compassion she demonstrates when working with them on our behalf.
Ritu is super responsive and available at all times with only a moments notice. We recently purchased another home and Ritu expedited the entire process making it so enjoyable and taking on everything possible to make it a smooth transaction for us.
Ritu always has our back and goes above and beyond in everything.
Simply the best!!!!
Response from Chase
February 4, 2023
Your review of Ritu Verma made us so happy, Leonard. Here at Chase we strive for excellence, so we are pleased to hear we met your expectations. Working with you was truly our pleasure.
Sincerely, Chase
Jim Zhang
August 18, 2022
5 out of 5
Ritu Verma was absolutely incredible.
I was on the verge of losing my home with cross-country mortgage due to them providing me with inaccurate information, requesting that I liquidate almost all of my assets, and other unethical things.
Ritu had demonstrated she cares more about the customer then the commission. She recommended I stick with the lender at first and only offered her services when I told her of the issues.
The entire experience has been incredibly smooth. She calculated everything immediately and those initial calculations have changed very little throughout the entire process.
This woman has not missed a single close in seventeen years. I finally understand why.
Jeannette Birnbach
July 28, 2022
4.5 out of 5
Ritu Verma was excellent to work with. She was very available and knowledgeable. 10/10
Raj Kripal, D
August 25, 2022
5 out of 5
Worked with Ritu for my first home purchase. She was always very responsive and kind enough to answer all my questions. She also helped me get the best possible interest rate and helped me understand all my options for choosing the loan. I would highly recommend her to anyone looking for a reliable service and timely closing.
Response from Chase
August 25, 2022
Thank you, Raj, for this glowing review! There are so many great purchase options available with Chase! We are pleased to hear that Ritu Verma was able to provide such great assistance in outlining them for you. We are thankful to work with customers like you!
Sincerely, Chase
Suman D
August 21, 2022
5 out of 5
We thank Ritu Verma for helping on our first home closing well before time. She is very supportive, dedicated and quick in response to all our questions. Helped with information and detailed explanations throughout entire process. She is really outstanding and highly recommend her.
Response from Chase
August 22, 2022
Thank you, Suman, for taking the time to write a review. We are glad Ritu Verma was able to answer your questions throughout the process. It is our goal to be an advisor and guide during this exciting time. Reviews like yours help our business grow!
Sincerely, Chase
Cheng L
July 22, 2022
5 out of 5
Retu is great and very supportive! She tried her best to help to get the loan done in time. She also provided me lots of information during my home search through close.
Response from Chase
July 22, 2022
It was so nice of you to leave such positive feedback of Ritu Verma, Cheng. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations! Thank you for your review.
Sincerely, Chase
Naumaan N
May 13, 2022
5 out of 5
Worked with Ritu for our first home purchase. She was a great partner throughout, always available and helping us along each step of the mortgage journey. Highly recommend!
Response from Chase
May 14, 2022
Thank you for taking the time to write a review. We are thrilled Ritu Verma was able guide you through your first home purchase. It was a pleasure working with you and hope you'll choose Chase again in the future!
Sincerely, Chase
Barbara P
February 16, 2022
5 out of 5
She was supportive and effective. Her work was fast and complete.
Response from Chase
February 17, 2022
Barbara, we can't thank you enough for your positive review. We are glad to hear Ritu Verma provided you with such a great experience. Reviews like yours help our business grow!
Sincerely, Chase
Longfei Shangguan
June 22, 2020
5 out of 5
Ritu is very supportive and responsive during my loan application, processing, and house closing. I do appreciate her help during the whole process.
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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 prequalification to finding the right loan, application guidance 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.
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!”
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
• 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
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: 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
Depending upon your credit profile, 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.
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
Depending upon your credit profile, 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.
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 apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will 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. 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.
6. 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.
7. 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.
8. 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.
9. 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 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
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 apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will 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. 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.
6. 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.
7. 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.
8. 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.
9. 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 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