David Spencer Chase Lending Manager NMLS Id#1096080"

06/12/2026

Whether you just bought your home, or you’ve been there for a while — nothing beats the feeling of having a place to call your own. This , take a moment to celebrate the ways that homeownership has enhanced your life. 😊🏘️

05/15/2026

Grateful to have been part of the launch of Ryan Serhant’s new San Francisco offices at the incredible The Avery penthouse.

A huge thank you to Ryan and the entire SERHANT. team for the warm hospitality and for bringing together such an amazing group of professionals. The only thing more impressive than the views was the collaboration and energy in the room.

Proud to represent JPMorgan Chase alongside Ann Sugai and Armen Vartanian as we continue building strong relationships throughout the Bay Area real estate community.

NMLS 1096080

Excited for what’s ahead.

The statements expressed do not reflect the views of JPMorgan Chase Bank, NA or any of its affiliates. This is for informational purposes and is not a recommendation or solicitation of any particular actions. JPMorgan Chase Bank, NA and its affiliates, are not liable for decisions made in reliance on information discussed.

04/27/2026

Deciding whether to rent or buy is a big financial decision. Taking an objective look at both options might help you make the right choice for your lifestyle.

Neither renting nor buying is better than the other, though one of them might be more suited to your specific needs. Here are some things to consider when renting and buying, and the pros and cons of each.

Read more: chase.com/personal/mortgage/education/financing-a-home/renting-vs-buying-house

04/17/2026

So you may be wondering: Should I consider refinancing?

Here’s when it does — and does not — make sense to refinance. Check out these top refinancing tips and tricks from 10 lending and mortgage experts: https://www.marketwatch.com/picks/more-homeowners-now-have-mortgage-rates-above-6-than-below-3-10-real-estate-pros-on-how-and-when-to-refinance-smartly-8958a2fe

Here’s how to refinance wisely

04/16/2026

Economic opportunity is built locally when people have the tools to thrive.

As part of the JPMorganChase American Dream Initiative, we’re scaling proven solutions that help people start and grow businesses, access affordable housing, build savings and credit, and prepare for in-demand jobs—while strengthening the local institutions that make it all possible.

Learn more:

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