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 need COVID-19 assistance, or information about the status of your current COVID-19 assistance, call 1-800-848-9380. If your account is not eligible for COVID-19 payment assistance you may have other mortgage assistance options. For more information, go to Understanding the options.
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.
For more information on COVID protections, go to consumerfinance.gov/coronavirus.
You can also go to NCSHA.org. Choose Advocacy and Issues to find Homeowners Assistance Fund information.

What to expect during your payment assistance:

We'll keep in touch throughout your assistance period. Please make sure your email and phone information is up to date on chase.com.
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 what options may be available.
Please call us at 1-800-848-9380 to review assistance 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.

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 1-800-848-9380 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 1-800-848-9380 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.

Call us at 1-800-848-9380 near the end of your assistance period. We'll help you find the solution that works best for you.

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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