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Mortgage Payoff

Paying off your mortgage is something to celebrate

Whether you’re nearing your final payment, buying a new home or refinancing your existing one, we have the tools and information to help.

Chase MyHome℠

Get the information you need to make an informed decision.

How to request a payoff quote

Get the remaining balance on your mortgage.

How to send your payoff payment

Get the complete details on how to send your money quickly and easily.

After your payoff

Get to know what happens after you pay off your loan.

We’re here to help

Whether you want to reduce your interest rate, get cash from your home’s equity or purchase a new home, you’ve got options.

FAQs

Request your payoff quote

A payoff quote is typically requested when you want to know the outstanding balances on your mortgage in preparation for paying off your loan. The quote provides instructions on how to send your payoff funds. You’ll also need a payoff quote when you're refinancing or selling your home.

If you choose to have it sent by fax, you should receive it within the hour. If you choose to have it sent by mail, you should receive it within 7 to 10 days. If you don’t receive your quote within those timeframes, please call us toll-free at 1-800-848-9136.

For FHA loans that originated between August 2, 1985 and January 21, 2015, Federal FHA guidelines require payoff funds to be submitted on the first day of the month. Please ensure your payoff funds are received by the first business day of the month, otherwise an additional month’s interest will be charged per Federal FHA guidelines.

Yes. Simply complete the Authorization to Furnish and Release Information form (PDF) and mail or fax it to the address listed.

Please email us at tri.state@jpmchase.com or send a fax to 1-318-402-4389 to request a payoff quote for a Cooperative Unit. Please include your name, property address, Chase loan number, new lender’s information and your attorney’s contact information. The request can take up to 30 days to process from the day we receive it.

Your payment must post to your loan before we can update your payoff quote. Payments generally post within 2 days from the date you made your payment.

In cases where we have enough funds in escrow to pay off the loan, you can call 1-800-848-9136 and request for your loan to be paid using escrow funds. You can also sign in to chase.com and send us a request through the Secure Message Center.

This is the cost charged by your local recording or land records office to record documents. Chase doesn’t keep or determine the amount of this charge.

If you’re refinancing your current Chase loan with a new Chase loan, your closing agent will guide you through the payoff process. To learn more about our refinance process, go to chase.com/refinance.

What happens after you pay off your loan?

No. After your loan is paid off, you (or your new lender if refinancing) will be responsible for paying homeowners insurance, property taxes and any other items previously collected in your escrow account. If you had Lender Placed Insurance with us, you'll now be responsible for getting your own homeowners insurance.

Contact your insurance provider and county tax authority to ensure they send you the proper documents.

Your check or wire amount is less than the total due to pay off the loan. We may use money in your escrow account to cover the shortfall. If your escrow balance isn’t enough, we’ll return your payoff and you’ll need to order a new quote.

Update your address and payments

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.

We’re very sorry for your loss and understand this may be a difficult time for you. For questions about handling existing mortgage accounts, please go to Home Lending Estate Services.

Send your payoff funds

Keep making payments until your payoff amount has posted, otherwise your payoff amount may be affected. We may report payments we receive more than 29 days after the due date as late to the credit reporting agencies.

You don’t need to cancel automatic payments if you’re paying off your loan. We'll cancel your automatic payments for you once your loan is paid in full.

You’ll need to cancel your payments after your mortgage is paid in full. Please work with your provider in advance so a payment won’t be sent after your loan is paid off.

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