Chase Mortgage Rates and Costs in Jacksonville — Verified Comparison

Compare Chase's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.

Last verified: November 1, 2026 · Freeman Douglas pricing pulled Sunday, November 1, 2026 at 1:22 PM ET

Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of JPMorgan Chase Bank, N.A. (Chase Home Lending). Chase information is third-party public advertising, reproduced here for consumer comparison.

VA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Chase

Checked November 1, 2026 — Chase publishes no rate for this product

No published rate available.

What do they have to hide?

Chase does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.

View Chase's own mortgage page ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.250%

Interest rate — 760 credit

APR: 6.408%

Monthly principal & interest$2,770.73

580 credit tier6.625% / 6.788% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$547,462

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

FHA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Chase

Checked November 1, 2026 — Chase publishes no rate for this product

No published rate available.

What do they have to hide?

Chase does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.

View Chase's own mortgage page ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.125%

Interest rate — 760 credit

APR: 7.010%

Monthly principal & interest$2,734.25

580 credit tier6.625% / 7.519% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$534,329

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

Conventional — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Chase

Chase's own Florida example: $350,000 loan, ZIP 32218 (Jacksonville), as of 9:41 AM ET, October 30, 2026, chase.com

6.875%

Interest rate

APR: 7.086%

Monthly principal & interest (on their $350,000 example)$2,299.25

Discount points2.107 discount points — $7,375 on their example

30-year interest (on their example)$477,730

View the bank's original published offer ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.750%

Interest rate — 760 credit

APR: 6.915%

Monthly principal & interest$2,918.69

620 credit tier7.250% / 7.433% APR — $3,069.79 P&I

Discount points0 — $0

30-year interest$600,729

LOWER RATE — AND 0 POINTS VS 2.107 POINTS

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

Conventional — what is the actual difference?

Rate differences applied to the standard $450,000 scenario; the bank's points are shown on its own published example amount. Positive = Freeman Douglas lower.

Monthly P&I difference

$37.49

Upfront points difference

$7,375

30-year interest difference

$13,496

Interest + points difference

$20,870

This Is How Veterans Win

A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.

This Is How First-Time Buyers Win

A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.

Chase's Programs, Cited and Explained

Relationship Pricing (cited: chase.com)

Chase cuts its own base rate for customers who keep money at Chase or J.P. Morgan: published tiers have run from 0.125% off for $150,000–$999,999 in balances to 0.25% off at $1 million or more, with new-money promotions advertised up to 1% off at the highest balances — in other words, the discount is bought with your deposits. Our full breakdown of this program is the most-read page on this site.

Same program, or the same outcome, here: You do not need to move $150,000 — or $1.5 million — anywhere to get a market price here. The comparison above is priced at 0 points with no deposit relationship required.

DreaMaker Mortgage (cited: chase.com)

Chase's low-down-payment conventional program (as little as 3% down) aimed at moderate-income buyers, with its own income and property standards layered on top of conventional guidelines.

Same program, or the same outcome, here: Low-down-payment conventional lending — including Fannie Mae's 3%-down options — is standard product available through Freeman Douglas, priced across lenders instead of inside one bank's overlay set.

Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.

How This Comparison Is Built (Methodology)

Bank figures are taken from Chase's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.

Questions Borrowers Ask About Chase Mortgages

What is Chase's mortgage rate in Jacksonville today?

Chase's own Florida page showed 6.875% / 7.086% APR on a $350,000 conventional loan in ZIP 32218 — with 2.107 discount points, about $7,375 paid up front to buy that rate (as of October 30, 2026). The Freeman Douglas column shows today's priced conventional rates at 0 points.

Is Chase's Relationship Pricing discount worth it?

It discounts Chase's base rate — it does not shop the market for you. Compare the discounted Chase APR and total lender charges against a market-priced quote before moving deposits anywhere.

Can I get a Chase Loan Estimate checked before I lock?

Yes — send it over. Section A lender charges, the points line and the lock term are the three places a second look pays for itself.

Sources

Chase current mortgage rates — Florida — example as of 9:41 AM ET, October 30, 2026
Chase Relationship Pricing — Freeman Douglas breakdown — the site's most-cited comparison article

Have a Chase mortgage offer?

Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.

Compare My Mortgage Offer ↗Call Douglas: (904) 517-4049