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Understanding services, fees and costs

Mortgages

This section shows the common services, fees and costs associated with your mortgage account. As our customer, you don’t have to pay for many services that can help you manage your mortgage loan. We may charge other fees that aren't listed here.

 

No-cost services

  • Making a payment
    Paying your mortgage online, by mail or by phone. Go to chase.com/WaysToPay for all the convenient ways to make your payment at no cost to you.

     

  • Payoff quote
    Preparing a payoff statement. Go to chase.com/payoff or call our automated service at 1-877-505-2894 to request a quote.

     

  • Document request
    Copies of your loan documents or loan history.

     

  • Mortgage verification
    Verify your mortgage.

     

  • Amortization schedule
    Copies of the amortization schedule for the remainder of your loan.

     

  • Recast modification
    If you make a large principal balance reduction and we agree to modify your loan so you can lower your monthly payments. Your account must be in good standing.

     

  • Flood title certification
    If we are asked to verify the flood zone status of a property.

     

  • Escrow analysis
    We'll provide an escrow analysis on an annual basis. Additional analyses are available upon request to review for changes in your property tax valuation or insurance premiums that may change your monthly payment.

     

  • Subordination
    When we agree to allow our mortgage or deed of trust to be behind that of another lender.

     

Fees

  • Mortgage late fees
    • This amount is listed on your monthly statement. It’s based on your loan amount, property location and rates found in your agreement.
    • Charged when a scheduled payment isn’t received by the due date or end of the grace period. To avoid this fee, go to chase.com/WaysToPay to see how you can make your mortgage payment at no cost to you in many convenient ways.

     

  • Non-sufficient funds (NSF) – $0
    If a scheduled payment is returned due to insufficient funds.

     

  • CEMA Tri-State Transfer Fee (CT, NJ, NY only) – $125
    Fee charged to perform the Consolidation, Extension and Modification Agreement to transfer the existing lien to the new lender. Service provided as an alternative to the high tax to record a new mortgage. Applies to mortgage and consumer loans. Applicable in NY, NJ and CT only.

     

  • CO-OP Tri-State Transfer Fee (CT, NJ, NY only) – $125
    Charged to facilitate the transfer of the co-op certificate for the refinance or sale of a co-op property. Applies to mortgages only. Applicable in NY, NJ and CT only.

     

Costs

  • Full appraisal – $195-$2,260
    If we hire an appraiser to determine fair market value of your property.

     

  • Broker price opinion – $100-$150
    If we hire a licensed real estate broker to provide an opinion of market value.

     

  • Recording – Cost set by county recorders or local laws.
    When the county recorder charges a cost for the recording of the mortgage or deed to secure our loan and the document to release the lien once the loan is paid off, as allowed by applicable law.

     

  • Partial release/land transaction – $50-$300
    If there is a request made to release part of the collateral from our mortgage or for any other requests to modify the collateral in any other way (example: adding collateral, lot line adjustments, easements, etc.).

     

  • Legal code violation – Cost varies based on the complexity of the violation.
    Cost incurred and charged by attorneys to attend hearings for a violation and to serve the appropriate parties with notices.

     

Amounts may vary depending on the service, location, timing and any investor or legal requirements.

 

If you’re seeking mortgage assistance, go to chase.com/MortgageAssistance to find the information you need to apply for help.

 

Last revised June 2025