Chase Home Lending Launches Limited-Time “Mortgage Rate Sale” — Ends August 18

• Author: Alex O'Connell
• Posted: 2025-08-12

Mortgage rates have been stubbornly high, but Chase Home Lending is giving buyers a rare break, and even calling it a “mortgage rate sale.”

What’s the Deal?

Chase is offering personalized, lockable interest rate discounts for eligible homebuyers.

The discount can be as much as 0.25%, and it’s stackable with other Chase home loan perks.

Example Savings:

• Offered rate: 6.5%

• With discount: 6.25%

• On a $350,000 loan (30-year term), that’s:

  • Over $20,600 saved in interest

  • $55+ less on monthly payments

The discount applies for the life of the loan on fixed-rate mortgages, and during the initial fixed-rate period for adjustable-rate mortgages (ARMs).

Read: New Homes Get Cheaper: Price Premium Fading in 30% of Large U.S. Cities

Who Can Qualify?

• Available on all Chase purchase mortgages, including FHA loans

• Can be combined with:

  • Relationship pricing discounts

  • Chase DreaMaker Loan (flexible credit requirements)

  • Chase homebuyer grants ($2,500–$5,000 in select areas; eligibility rules apply)

• Minimum credit score, loan-to-value, and property guidelines vary by loan type and state.

How to Get the Discount

1. Apply for a Chase purchase mortgage

2. Lock your interest rate before August 18, 2025

3. Use Chase’s “Lock and Shop” program to protect your rate for 90 days

4. If rates drop, you get one-time re-lock to a lower rate during your lock period

Note: This offer is not available for refinance loans.

Buyer’s Advantage Snapshot

• Save up to 0.25% off your rate

• Stack with other Chase programs & grants

• Lock in for 90 days with rate-drop protection

• No extra fees or discount points for this promotion

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