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Mortgage Frequently Asked Questions: Help

Frequently Asked Questions

Answers to your common questions to help you buy a home.

Can I pay my mortgage online?

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Yes, you can make a payment through chase.com or on the Chase Mobile® app from a Chase or non-Chase deposit account. Learn more about your payment options on our online payments page.  

Can I make payments every two weeks?

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Yes.  You can enroll in our every two weeks flexible payment option.. 

 

With this option, your payments are split into two half payments. During your first month of enrollment, you’ll need to pay both your regular monthly payment plus two half payments. To learn more about this and other payment options, visit our flexible automatic payments page.

What is an escrow account?

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An escrow account allows us to pay the required insurance and/or taxes on your property for you. You pay a portion of your taxes and/or insurance premiums as part of your monthly mortgage payment. Then, when taxes and/or premiums are due, we'll pay them on your behalf with the money in your escrow account.

What is an escrow analysis?

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Every year, we review your escrow account to make sure there’s enough money in it to cover your taxes and/or insurance premiums. We send you a summary statement of this report, called an escrow analysis. It includes a review of activity in your escrow account during the past 12 months, with projections for the next 12 months.


This helps us determine the amount you need to pay into your escrow account each month, so we can pay your taxes and/or insurance expenses on your behalf for the next 12 months. 

How can I review my escrow account?

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You can see your escrow information on chase.com. Just enroll or sign in and choose your mortgage account. Then, go to the "Things you can do" menu and choose "Escrow information."

 

You can view your current Escrow account balance by going to the "Things you can do" menu and selecting ‘Account Details’.

 

You can also sign up to receive free alerts about your escrow account on chase.com. We’ll notify you when a tax or insurance payment is made from your account.

What causes an escrow shortage?

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There are a few reasons why you might not have enough money in your escrow account to meet the minimum balance:

  • Your property taxes and/or insurance premiums increased.
  • Your taxes were reassessed.
  • Your insurance provider(s) changed.
  • The due date of your property taxes and/or insurance premiums changed.
  • You made fewer escrow payments into your account than expected.
  • Your starting escrow balance for the 12-month period was lower than expected due to higher payouts the prior year.

 

If you have questions about an increase in your property taxes or homeowners insurance premiums, please contact your local tax authority or insurance agent.