Chase's published list is close to the statutory minimum: origination date (HPA coverage), occupancy (primary single-family), payment standing (current, no unpaid late-charge balance), and the 80% LTV line. For current-value requests the seasoning matrix applies — 75% LTV if the loan is 2–5 years old, 80% past 5 years. Chase is among the servicers most likely to accept a strong appreciation case without friction, provided the paperwork is exact.
Confirm your numbers with the calculator. Call to open the request — Chase logs it — then send the written letter the same week; the letter, not the call, is what the 30-day statutory clock and any later dispute hang on. Chase quotes the valuation fee before ordering the BPO or appraisal. Keep the certified-mail receipt and note every reference number.
A denial must state the valuation figure used. You can dispute a BPO with better comparables (recent, closer, more similar homes) or request a full appraisal instead — see our appraisal-prep guide. Improved and documented properties often gain 3–5% on the second look, which is frequently the whole gap.
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