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

Borrowers could save thousands over the life of their loan with this rare offer

In a move highlighting the competitive shifts in the housing market, Chase Home Lending is introducing something you almost never see, a nationwide “mortgage rate sale.”

Available through August 18, 2025, the limited-time offer could help qualified homebuyers lock in lower monthly payments and significant lifetime savings.

Don't miss: New Homes Get Cheaper: Price Premium Fading in 30% of Large U.S. Cities
 

How the Mortgage Rate Sale Works?

Chase is offering personalized, lockable interest rate discounts of up to 0.25 percentage points for borrowers who apply for a purchase mortgage during the promotion.

This means a 30-year fixed rate of 6.5% could drop to 6.25%, potentially saving over $20,600 in interest on a $350,000 loan, plus reducing monthly payments by about $55.

Better yet, the discount applies for the life of the loan on fixed-rate mortgages and during the initial fixed period for adjustable-rate loans.

And according to Chase, there are no extra fees or discount points required to take advantage.
 

Stackable Savings

The rate discount isn’t the only perk. Borrowers can combine it with other Chase programs, such as:

• Relationship Pricing Program – Additional savings for eligible Chase customers.

• Chase DreaMaker Loan – Lower down payments and flexible credit guidelines.

• Chase Homebuyer Grants – Between $2,500 and $5,000 for eligible buyers in certain locations.

These programs can be layered, meaning borrowers could stack discounts for even greater savings.

Learn these stackable home loan perks: Save More with Chase: Stackable Mortgage Perks & Grants You Should Know
 

How to Qualify?

To get the promotional rate, buyers must:

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

The promotion is not available for refinances, and standard credit, property value, and loan-to-value guidelines apply.

You might be missing out on benefits! Check what’s available to you here.
 

Bottom Line

With mortgage rates still a key factor for homebuyers, Chase’s “mortgage rate sale” offers a rare opportunity to secure long-term savings.

Combining it with other Chase loan perks and grants could make buying a home more affordable, but the window closes on August 18.

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