- home >
- purchase >
- homebuyer's guide >
- step 5 >
- apply
At Chase, we recommend that you get preapproved for your mortgage before you begin to look for a home. Once you have a firm agreement with the seller to purchase a specific property, you can activate your loan with a simple phone call to your loan officer and a copy of your purchase agreement.
When to apply
While getting preapproved can be beneficial, it isn't a requirement. If you've found a home but have not yet applied for your mortgage, you should submit your mortgage application as soon as possible. Generally, you should apply at least 60 to 90 days prior to the date you would like to move in. Keep in mind, even if you do not have a specific property address, you can still apply for your mortgage. Chase can issue a preapproval letter subject to receipt of a satisfactory purchase contract and appraisal and a verification of the income, debt and asset information you provide. Learn the difference between being prequalified and preapproved.
How can I apply with Chase?
- Apply online. You can complete our online application at your own pace and when it is convenient for you. Your application will be secure and private.
- Make one easy phone call. Just call the Chase Mortgage Center at 1-800-873-6577, and a Chase loan officer will work with you over the phone to help you get everything you need for your mortgage application.
Once you submit your application, a Chase loan officer will provide personal service to answer your questions about the different types of mortgages and rates currently available. You'll need to provide your loan officer with information on your income, credit history, debts and liquid assets. If you've already gathered this documentation, things should go smoothly.
