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Better vs Chase
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Better | Chase |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.2/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | Low fees | Existing Chase customers |
Pros and Cons
Better
Pros
- +No origination fees or lender commissions
- +Transparent pricing with real-time rate quotes
- +Fast closing timeline in eligible markets
Cons
- -No VA loans
- -Limited physical locations for in-person support
- -Customer service can be inconsistent during high volume
Chase
Pros
- +Rate discounts for existing Chase banking customers
- +Nationwide branch network for in-person support
- +Strong reputation and financial stability
Cons
- -Less competitive rates without relationship discounts
- -Approval process can be slower than online-only lenders
- -No USDA loans
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.