Chase mortgage payment phone number and when to use it
Chase's mortgage payment phone line is 1-800-848-9136. This number connects you to Chase Home Lending customer service, where you can make a one-time payment, discuss your account, or ask about payment options. The line is available Monday through Friday, 8 a.m. to 8 p.m. Eastern Time, and Saturday 9 a.m. to 5 p.m. Eastern Time.
Calling to pay works best if you want to speak with someone before sending money, if you have questions about your specific loan, or if you're having trouble with online payment methods. Have your loan number and bank account information ready when you call.
If you're calling from outside the U.S., Chase also has international phone lines, though charges may apply. Ask the representative for the appropriate number for your country.
Key Takeaways
- Chase mortgage payments can be made by phone at 1-800-848-9136, Monday through Friday 8 a.m. to 8 p.m. ET and Saturday 9 a.m. to 5 p.m. ET.
- Phone payments are typically processed the same day if you call before the payment deadline, but verify the exact cutoff time with the representative.
- You'll need your loan number and bank account details ready before calling to pay by phone.
- Online payment through Chase's website or mobile app is faster and available 24/7, so phone payment is most useful when you need to speak with someone or have account questions.
What information you need before calling
Gather these details before you dial so the call moves quickly. You'll need your loan number, which appears on your mortgage statement. You'll also need your bank account number and routing number if you're paying from a checking or savings account, or your debit card number if you're paying that way.
Have your statement in front of you so you know the exact amount due and the payment deadline. If you're paying late or making a partial payment, mention that to the representative so they can note it on your account.
How phone payments are processed
When you call and authorize a payment, Chase processes it electronically from your bank account or card. Same-day processing usually happens if you call before 5 p.m. Eastern Time on a business day, though the exact cutoff varies by season and workload. Ask the representative when the deadline is on the day you're calling.
The money typically reaches Chase's account within one to two business days after you authorize it. This is slower than setting up automatic payments through your Chase account, which can post the same day. If your payment is due tomorrow, calling may not get the money there in time — ask the representative whether they can note a pending payment on your account to prevent a late fee while the transfer clears.
Alternatives to paying by phone
Chase's website and mobile app let you make payments 24/7 without waiting for a representative. Log into your Chase account, go to the payments section, and enter the amount and date. This method is faster and gives you a confirmation number immediately.
You can also set up automatic payments so your mortgage payment is withdrawn on the same day each month. This removes the need to call or log in at all. Go to your Chase account settings, select autopay, and choose your payment date. Most borrowers set it for a few days before the due date to ensure it posts on time.
If you prefer mailing a check, your statement shows the mailing address. Checks take longer to clear — typically five to seven business days — so mail payments well before your due date.
What to do if you can't reach Chase by phone
If the phone line is busy or you're calling outside business hours, use Chase's online portal or app to make a payment immediately. You can also visit a Chase branch in person during business hours to make a payment at the teller window, though some branches may direct you to use online methods instead.
If you have a complex question about your loan that requires a longer conversation, consider scheduling a callback through your Chase account. Log in, find the contact us section, and request a call at a time that works for you. A representative will call you back within the timeframe you select.
Late payments and what happens if you miss the deadline
If your payment is due on a specific date, Chase typically allows a grace period of 10 to 15 days before reporting the payment as late to credit bureaus. However, late fees may start accruing immediately after the due date, even during the grace period. Check your loan documents or statement for your exact grace period and late fee amount.
If you know you'll be late, call Chase as soon as possible. Explain your situation and ask whether they can defer the payment, set up a payment plan, or note the pending payment on your account. Some loan programs offer forbearance or other options if you're facing hardship. The sooner you contact them, the more options may be available.
Frequently Asked Questions
Can I pay my Chase mortgage with a credit card over the phone?
Most mortgage servicers, including Chase, do not accept credit card payments because of the fees involved. You can pay with a debit card, checking account, or savings account. If you want to use a credit card, you'd need to use a third-party payment service, which typically charges a fee and may not be worth the cost.
What if I call to pay but the payment doesn't go through?
Ask the representative for a confirmation number and the exact date the payment will post. If it doesn't arrive by that date, call back and provide the confirmation number. Chase can trace the payment and resubmit it if something went wrong. Keep the confirmation number until the payment appears on your account.
Is there a fee to pay my mortgage by phone?
Chase does not charge a fee for phone payments. However, if you're paying from an account at a different bank, your bank may charge a wire transfer fee. Ask your bank before authorizing the payment if you're unsure.
Can I make a partial payment by phone?
Yes, you can pay any amount by phone, including partial payments. However, partial payments may not satisfy your loan agreement, and late fees could still apply if the full amount isn't paid by the due date. Ask the representative how a partial payment will be applied to your account before you authorize it.
What's the difference between calling to pay and setting up autopay?
Calling to pay is a one-time transaction you initiate each month. Autopay is automatic — the payment comes out on the same date every month without you having to do anything. Autopay is more reliable for avoiding late payments because you don't have to remember to call or log in.