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Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Chase Business Banking customers may now qualify for a discount on a residential mortgage rate, according to an October 6, 2026, report by TheStreet. Chase’s public Relationship Pricing page advertises discounts of 0.05% to 1%, but it does not spell out the newly reported business-customer rules or the full new-money schedule. Ask a Chase Home Lending Advisor to confirm your eligibility and provide the offer in writing before moving money or choosing a loan.
Can Chase Business Banking customers get a mortgage rate discount?
According to TheStreet, both existing and new Chase Business Banking customers can qualify for Chase Home Lending’s Relationship Pricing program. The reported expansion is for residential mortgages, not commercial real-estate financing. Chase’s public Relationship Pricing page confirms the general program, but the page reviewed does not independently detail the business-account eligibility rules. Those rules, the effective date, and how qualifying balances are measured or maintained are not established on that page.
TheStreet reports that conventional, jumbo, FHA, and VA loans may qualify. Because Chase’s public program page does not enumerate those products, confirm that the specific loan you are considering is eligible with a Chase Home Lending Advisor. Ryan Hayes, Chase Home Lending’s head of retail sales, told TheStreet that the expansion is intended to connect business and personal financial conversations and provide value to shared clients. Hayes also said more than 7 million small-business customers could qualify; that is a potential audience figure, not a count of borrowers who will receive a discount or satisfy all program and underwriting conditions.
How much can the rate discount reduce?
Chase’s public page advertises a possible mortgage rate discount of 0.05% to 1% for eligible customers buying or refinancing. It describes three routes: qualifying existing balances, moving eligible new deposits or investments, or combining the two. Any combined discount is capped at 1%.
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Existing Chase and J.P. Morgan balances
Chase lists these existing-balance tiers for qualifying Chase deposits and J.P. Morgan investments:
| Qualifying balance | Published existing-balance discount |
|---|---|
| $150,000–$999,999 | 0.125% |
| $1 million or more | 0.25% |
These tiers are from Chase’s public program page, accessed October 7, 2026. The page does not establish that business deposits count toward these tiers; ask Chase how it treats business and personal accounts and investment assets.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
New money reported for Business Banking customers
TheStreet reports the following new-money schedule for the Business Banking expansion. These tiers are reported by TheStreet; they do not appear on the Chase public page reviewed.
| Reported eligible new-money amount | Reported rate discount |
|---|---|
| $75,000 | 0.05% |
| $187,500 | 0.125% |
| $375,000 | 0.25% |
| $562,500 | 0.375% |
| $750,000 | 0.5% |
| $937,500 | 0.625% |
| $1.125 million | 0.75% |
| $1.3125 million | 0.875% |
| $1.5 million | 1% |
TheStreet says the new-money discount may be combined with the existing-balance discount, subject to the program’s 1% maximum total. The amounts and combination rules should be confirmed with Chase for your accounts and loan.
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- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
How to compare the offer with other mortgage quotes
A lower note rate does not by itself show that a mortgage is the least expensive choice. Chase advises borrowers to compare multiple lenders’ Loan Estimates and consider APR and total closing costs, not just the advertised rate. For context, Freddie Mac’s weekly survey average for the week of October 1, 2026, was 7.28% for a 30-year fixed mortgage and 6.60% for a 15-year fixed mortgage. These are national survey averages, not Chase rates or personalized offers.
- Ask a Chase Home Lending Advisor which business and personal accounts, deposits, and investments count; when balances are measured; whether they must be maintained; and whether your specific loan product qualifies.
- Request the proposed note rate, APR, discount points, lender fees, closing costs, and any account costs in writing.
- Compare the Chase Loan Estimate with at least two other lenders’ estimates using the same loan amount, term, down payment, and rate-lock period.
- Include the cost of moving or holding assets at Chase or J.P. Morgan in your comparison, including forgone interest or investment returns, liquidity needs, and possible tax consequences.
- Compare service and expected closing timing as well as price, and confirm how long the quoted rate and discount conditions apply.
For a size reference, the Federal Housing Finance Agency set the 2026 baseline conforming loan limit at $832,750 for a one-unit home in most U.S. areas, with a ceiling of $1,249,125 in high-cost areas. County limits vary, and FHFA identifies different limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. These limits distinguish conforming from some jumbo borrowing but do not establish eligibility for Chase’s discount.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
Is a relationship discount the same as buying points?
No. A relationship discount is tied to qualifying balances or assets under the program’s terms. Mortgage discount points are generally an upfront payment to reduce the interest rate; a point is commonly 1% of the loan amount, though the rate reduction varies by lender. Whether points pay off depends on their cost, the resulting monthly savings, and how long you expect to keep the mortgage. Compare any points listed on the Loan Estimate separately from a relationship discount.
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- Input any three loan variables to compute the fourth.
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