Assistance with Mortgage Payments

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COVID-19 Assistance

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

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

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 1-800-848-9136.
For information on options not COVID-19 related, please go to assistance programs.
For more information on COVID protections, go to consumerfinance.gov/coronavirus.

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. You can also call us at 1-800-848-9136 to review your options. Options will vary based upon eligibility criteria, but may include extending your forbearance, deferring missed payments to the end of the mortgage, extending the mortgage term by the number of missed monthly payments, or offering a repayment plan or a modification.
Day 270: If you're still enrolled in payment assistance at this point, 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 or call us at 1-800-848-9136.
Day 365: If you're still enrolled in payment assistance at this point and are 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

There may be limits to the length of time you can remain in COVID-19 payment assistance. We'll let you know when your assistance is nearing expiration and let you know what options are available.

We’ll let you know when your assistance is set to expire, so you can call us at 1-800-848-9136 to review your options. Options will vary based upon eligibility criteria, but may include extending your forbearance, deferring missed payments to the end of the mortgage, extending the mortgage term by the number of missed monthly payments, or offering a repayment plan or a modification.

Deferment

A mortgage deferment moves your missed principal and interest 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.

We’ll defer unpaid principal and interest amounts as well as escrow advances, which are payments such as taxes and insurance we made because there wasn’t enough in your escrow account, to the end of the mortgage. We will also defer corporate advances, which may include expenses for inspections, home valuations, legal fees, property maintenance and other costs that we paid.

If you're not making regular escrow payments during your forbearance, you may have a shortage in your escrow account. A shortage amount can’t be deferred, but we’ll spread the amount over your next 60 months mortgage payments once you exit your payment assistance.

If your account meets eligibility requirements, you may be able to defer up to 18 payments. If there are more than 18 payments outstanding, you may have other repayment solutions. Please contact us at 1-800-848-9136 to review next steps.

Payments during assistance

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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

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

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Assistance with Mortgage Payments

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