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At Chase, we're dedicated to helping you find the refinancing solution that is right for you. Offering competitive refinance rates and a broad range of loan types lets us help you refinance your home.

Get started now to receive a customized rate quote, or call us at 1-800-873-6577.

There are many reasons to refinance today with Chase!

• Competitive low rates will help lower your mortgage payment.
• Expanded lending options based on government programs may help with certain borrower situations, especially in areas where home values have declined.
• Exclusive opportunity from Chase — Get cash back on your mortgage, year after year with a new mortgage or refinance.

The patent pending 1% Mortgage Cash Back^SM program is available in AZ, CA, CO, CT, GA, IL, KY, NJ, NY, NV, OH, OK, OR, TX, UT, WA, WV, WI. Also available in FL, ID, IN, LA, MI however certain geographic restrictions apply in these areas.

Offer available on new Chase first mortgage purchase and refinance applications submitted on or after 8/1/09. A cash back award based on 1% of one month's scheduled monthly principal and interest (P&I) payment of the new mortgage will be calculated and totaled over a 12-month period. The 1% cash back calculation applies to scheduled principal and interest payments only, and does not apply to additional principal payments made by borrower, or to payments for escrowed items such as taxes and insurance. At discretion of borrower at enrollment, the sum will be awarded via direct deposit into a Chase checking account or applied to the outstanding principal balance on or about each anniversary date of the loan origination. A new or existing Chase personal checking account is required, along with enrollment in Chase's automatic mortgage payment service where the mortgage payment will be automatically deducted from the Chase checking account. There is a $500 calendar year cap on the principal reduction and cash back amount, including any anniversary award payouts and accrued rewards on a Chase to Chase refinance paid out in the same calendar year. Visit us at www.chase.com/MortgageCashBack for full program details. The program may be discontinued at any time without notice. The 1% Mortgage Cash Back may result in taxable income to you, the borrower. We encourage you to consult with your personal tax advisor.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC

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.