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After payoff

What happens after you pay off your loan?

Confirmation of payoff

Within 10 days, we'll send you confirmation by letter and/or email that your loan has been paid in full. Please keep this for your records.

Receiving an overage check

If you overpay or have money remaining in your escrow account, we’ll send you a refund by mail no later than 10 days after your payoff is processed to the mailing address listed on your payoff quote. If your mailing address is changing, sign in to chase.com to update it or download the address change form (PDF) and mail or fax it to the address listed.

Lien release process

We will send your mortgage satisfaction document to your local county recorder’s office for processing. Your local county recorder’s office will record your lien release and return it to us. You can request a copy of the mortgage satisfaction document from your county recorder’s office after you pay off your mortgage.  Please allow 60 to 90 days after your loan is paid in full before contacting your county recorder’s office for a copy of the lien.

Note: timeframes can vary by county and could take up to six months.

Assessing tax documents and previous mortgage statements

You'll have access to the last 24 months of tax and mortgage statements at chase.com. For tax payments made during the current calendar year, we’ll send Form 1098: Mortgage Interest Statement in January of the following calendar year to the mailing address listed on your payoff quote. If your mailing address is changing, sign in to chase.com to update it or download the address change form (PDF) and mail or fax it to the address listed.

If you need additional information or assistance after your mortgage is paid off, please call us at 1-800-848-9136.