Chase assumption timeline
5 community reports · #5 fastest of 12 servicers.
Median
225 d
Average
9.1 mo
Range
213–395 d
Average days by loan type
| Loan type | Reports | Median | Average |
|---|---|---|---|
| Not stated | 5 | 225 d | 278 d |
Common holdups
- Lost or re-requested documents4×
- Title or closing coordination1×
- Underwriting backlog1×
- Not stated~395 days
"Took 13 months" — documents sat until they expired and were re-requested; credit re-run 4 times.
- Lost or re-requested documents
- Not stated~213 days
Applied in September, approved in April; Chase quoted 6–9 months for underwriting up front. Kept a 2.25% rate.
- Underwriting backlog
- Not stated~225 days
Applied September 2023, approved early April 2024, closing scheduled for the end of April.
- Lost or re-requested documents
- Title or closing coordination
- Not stated161+ days, still waiting
Started Nov 2, 2023; Chase kept asking for updated documents every 1–2 months. On the third set of documents, told up to 50 more days.
- Lost or re-requested documents
- Not stated207+ days, still waiting
Initiated in September 2023; ~30 days between each round of paperwork, credit pulled twice, financials sent 5 times.
- Lost or re-requested documents