At 123Refi we offer the ability to Beat The Banks. How does this work? We will beat the published rate of leading your favorite bank by .250% We will package and underwrite the mortgage according to the guidelines of that bank and won't charge any more fees than that bank charges themselves.Thinking of a Chase Mortgage? Fill out our online Chase Mortgage application and we'll package your home loan according to Chase Bank guidelines. Not only that, but we won't charge any more than the fees charged by Chase Bank themselves for your Chase Mortgage. And a final detail: We'll beat the published rate of Chase Bank by .250%---now that's the way to Beat The Banks and beat a Chase Mortgage!