Assistance with Mortgage Payments

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We're committed to helping our customers affected by COVID-19.

Protecting your home in uncertain times with Chase Home Lending videoOpens Overlay

Protecting your home

We’re here to help.

We realize you may have concerns about impacts from COVID-19 on your income and personal finances.

What you should do:

Focus on the safety of you and your loved ones.
Update your contact information, especially your cell phone number and email address on your Chase Mobile^® app or on chase.com.
Use the Chase Mobile^® app or chase.com to securely make and confirm payments, access tax information and see your escrow account.

What you should know:

If you can continue making your mortgage payments, you should do so.
You can enroll in payment assistance by signing in to chase.com.
If you're in the military and have been activated to respond to a disaster, you may be eligible for additional benefits. Please call our military services hotline at 1-877-469-0110.
You can also learn more about COVID-19 related assistance by calling 1-888-356-0023.
For information on options not COVID-19 related, please go to assistance programs.

What to expect during your payment assistance:

After you enroll in payment assistance we’ll send you a confirmation letter or email.
Throughout your assistance: Sign in or set up your account on chase.com and make sure your email and phone number are up to date so we can contact you.
At about Day 60: We'll check in by phone, email and/or text to see if you can resume payments, or if you need to extend your assistance for another 3 months. You can also see your options or extend your assistance at chase.com/PaymentAssistance.
Day 90: Your initial 3 month payment assistance period will expire. Before that, go to chase.com/PaymentAssistance to request an extension or to review your options if you're ready to resume your regular monthly payments.
Day 180: If you're still enrolled in payment assistance at this point, we can’t automatically extend the payment assistance protection period again. Please go to chase.com/PaymentAssistance before day 180 to request an extension or to review your options if you’re ready to resume your regular monthly payments. You can also call us at 800-811-9123 to review your options. We'll continue to check in by phone, email and/or text.
Day 270: Please go to chase.com/PaymentAssistance to request an extension or to review your options if you're ready to resume your regular monthly payments. If we don’t hear from you before your assistance expires, we'll extend COVID-19 payment assistance again, for 3 more months.
Day 365: If you're not able to resume monthly payments or make up any missed payments, you have options. Please contact us at 800-811-9123 to review next steps.

Extending or ending COVID-19 payment assistance

How long can I extend my payment assistance?

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You can extend your COVID-19 payment assistance for up to 12 months — usually 3 months at a time — under the Coronavirus Aid, Relief, and Economic Security Act, most often called simply the CARES Act. While in payment assistance, you don't need to make monthly payments, but you should make them if you can.

How do I extend or end my COVID-19 payment assistance?

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We'll let you know when your assistance is set to expire, so you can extend or end the assistance easily by going to chase.com/PaymentAssistance. Your initial enrollment covers 3 monthly payments. If we don't hear from you after your initial 3 months, we'll automatically extend for an additional 3 months.

What happens if I forget to extend or end my payment assistance after 6 months?

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We'll end the payment assistance. That's why it's important that you go to chase.com/PaymentAssistance or call us to extend for another 3 months, if needed, or choose a plan to make up any missed payments.

You're not required to keep making payments during the payment assistance period, but you should make them if you can. If you have delayed payments during your assistance period you'll have options available for repayment after your assistance ends.
Before the end of the payment assistance period—also known as forbearance—we'll be in touch to explain possible options for you to repay the delayed payments, which are due at the end of the period to keep your account current. These options may include:
- Extending your payment assistance period
- Deferring missed payments until the end of your mortgage term or payoff
- Extending the loan term by moving the months of missed payments to the end of the loan
- Using standard mortgage assistance options such as a repayment plan or a loan modification
- You can see the options available to you at chase.com/PaymentAssistance. It's fast and easy. Just sign in and answer 2 or 3 questions and then choose the repayment plan that's best for you

Deferment

What is a deferment? How does it work?

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A mortgage deferment moves your missed payments to the end of your loan term or your loan payoff.

The total amount of interest and total amount of principal due for the life of the loan doesn't change. You'll just pay the missed amounts off at a later time.

What amounts are included in the deferment?

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Once you accept a pre-approved deferment offer, we'll defer missed principal and interest amounts until the end of your mortgage. If we advanced any escrow payments while you were on a COVID-19 forbearance plan we'll also defer those amounts.

How many missed payments can be deferred?

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At this time, we can defer up to a maximum of 12 payments. If there are more than 12 payments outstanding you may have other repayment solutions. Please contact us at 800-811-9123 to review next steps.

Payments during assistance

How do I cancel the automatic payments I set up for my mortgage?

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If you set up automatic payments through Chase, you can cancel them at chase.com or on the Chase Mobile^® app. If you set them up through another bank or a third-party bill-pay service, contact them to cancel your payments.

I signed up for payment assistance, but want to make a payment. How can I do that?

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The fastest and most convenient way to make a one-time payment is on chase.com or on the Chase Mobile^® app. Check out other options - including automated phone payments - at chase.com/WaysToPay.

Is there a benefit to making a payment during my assistance period?

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Yes, any payments you make during your assistance period reduce what you’ll have to pay later.

Will my credit score or ability to get credit in the future be affected by this payment assistance?

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During the assistance period, we’ll report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to MyFICO Mortgage Deferment or by calling MyFico at 1-800-319-4433. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.

How do I make up missed payments?

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Many customers can defer their missed payments to the end of their mortgage. Near the end of your assistance period, we'll check in with you to help you understand your options.

What if I can't restart payments at the end of my assistance period?

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We’ve made it easy for most customers to request an extension at chase.com/paymentassistance. Near the end of your assistance period, we'll check in with you to help you understand your options.

Fees, insurance and escrow

Will I be charged a late fee if I don’t make a payment on time during my assistance period?

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No, that’s one of the benefits of the program. We won’t charge fees for missed or late payments while you're enrolled in the assistance program.

Will my statement show my payments are past due?

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Yes, but don't worry. Your monthly statement will show you’re past due, but you aren’t required to make a payment while you’re enrolled in the assistance program.

Do I have to make escrow payments during assistance?

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No. We'll pay your taxes and/or homeowner's insurance on time, advancing the money if needed. This may cause a shortage in your escrow account when we complete your annual escrow review. To see your escrow account, sign in at chase.com/escrow.

What happens when my escrow account has a shortage?

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If there's a shortage in your escrow account when you exit your payment assistance and select a repayment option for any delayed payments, we'll automatically spread the repayment amount over your next 60 months mortgage payments. You can also pay all or part of any shortage at any time if you prefer. Just sign in to chase.com or call us at 1-800-848-9136.

Can I make deposits into my escrow account during the assistance period?

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Yes. You can do that on chase.com/escrow, or call us at 1-800-848-9136.

Is the mortgage insurance on my loan covered by this assistance?

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Yes, but if you delay payments, it may also delay your eligibility to have the mortgage insurance waived.

Assistance with Mortgage Payments

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