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Home Lending Payment FAQs



Home Lending FAQs

Yes, you can make a payment through or on the Chase Mobile® app from a Chase or non-Chase deposit account.

Sign in at, choose your mortgage or home equity account and choose "Set up" located under "Amount due". For a mortgage account, you can choose "Monthly," "Twice a month" or "Every two weeks" as your payment frequency. Home equity accounts can be paid monthly.

Your payment comes out automatically so you don’t need to remember or worry about missing a payment.


If you have automatic payments set up on your account, any changes in your payment due to escrow (taxes and insurance) or adjustable rate changes will be updated automatically for you.

Yes.  If you have automatic payments set up and decide to make your monthly payment another way (e.g. branch, mail, online, etc.) your automatic monthly payment will still be withdrawn. This additional payment would normally be applied to the next payment that's due. You can change or cancel your automatic payments on, through the Chase Mobile® app or by calling customer service if you decide to make an update.


Unlike Mortgage, a Home Equity account doesn't work this way. If your monthly payment was paid prior to the automatic payment, we won't withdraw another payment automatically.

You can make a payment over the phone by calling our payment line at 1-833-PayChase (1-833-729-2427).

Yes, you can use a non-Chase deposit account to make a payment. A one-time setup is required.


At, choose the “Pay and transfer” option then choose "Pay bills." Choose “Pay-from accounts” then choose "External accounts."


On the Chase Mobile® app, tap the top menu button (three stacked horizontal lines in the top left of your screen), then "Transfer Money," and “Manage External Accounts.” Choose "Add an External Account" and follow the instructions.

You can make these additional one-time payments on or the Chase Mobile® app. With the automatic payments program, you can also have additional principal added into each payment.

To make a shortage payment on your Escrow account, sign into your account and follow these steps:


  1. From your mortgage loan account, choose Pay Mortgage
  2. Choose the Principal/escrow/fee only option
  3. Enter the shortage amount you want to pay in the Additional escrow/shortage and choose Pay this bill

You'll see your payment reflected online within three days. If you're signed up for flexible payments, you'll be able to see your payment online in “unapplied” funds. Once you have made all of your payments for the next full monthly installment, we'll post your payment.

When the full payment due for the month has already been applied to your mortgage, any extra money received that month will be applied as a principal payment.


If your payment due for the month hasn’t been received and applied yet, we'll hold the money as "unapplied funds" in your account.  These "unapplied funds" are applied as a monthly payment when we receive the full amount needed to satisfy your total monthly payment amount due. Any additional money can then be applied as an extra principal payment.


As a general rule, you should always tell us how to apply any additional funds you send in, so that they're applied the way you want. 

Cutoff times are 7:30 PM ET for payments made online from a Chase deposit account, and 8 PM ET for payments made online from a non-Chase deposit account.

The amount of interest you pay monthly on a mortgage is determined by your interest rate and the remaining principal balance.  The lower the principal balance gets, the less interest you're charged monthly.  Making extra designated "principal only" payments helps you pay off your loan faster and reduces the amount of interest you pay.  If you make a "principal only" payment you'll benefit because there will be less interest to pay for the next monthly payment due.


Your monthly payment is applied as of the payment due date, so the timing of the payment won't change the amount of interest paid. This is because all of the month's interest being paid was from the previous month. If you decide to include additional principal, it'll impact the amount of interest you pay over the life of the loan and will change the amount of interest paid in the next billing cycle.