How to Pay Your Chase Mortgage by Phone
Call Chase to pay your mortgage over the phone, but know what information you need first and what happens after you hang up
Chase accepts mortgage payments by phone through their automated system or by speaking to a representative. You call the number on your mortgage statement or bill, provide your loan number and payment amount, and the payment is processed that day or the next business day depending on when you call. The payment goes through an ACH transfer from your bank account — Chase pulls the money directly, so you need your checking or savings account number and routing number ready.
Phone payments are useful when you are close to your due date and mailing a check will not arrive in time, or when you prefer not to set up online autopay. They cost nothing extra. The trade-off is that you have no written confirmation until after the call ends, and if something goes wrong with the ACH pull, you may not know for a day or two.
Key Takeaways
- Have your Chase loan number, bank account number, routing number, and the exact payment amount ready before you call.
- Phone payments process the same day or next business day, so calling by mid-afternoon on a business day gives you the fastest result.
- Chase will send you a confirmation number during the call — write it down and keep it with your mortgage records.
- If you pay by phone regularly, setting up online autopay through Chase's website takes five minutes and removes the need to call each month.
- Payments made after 5 p.m. Eastern time or on weekends may not process until the next business day.
What you need to have ready before calling
Gather these four things before you dial: your loan number (on your mortgage statement), your bank account number (checking or savings), your routing number (the nine-digit code at the bottom left of your checks, or call your bank), and the exact dollar amount you want to pay. If you are paying more than your regular monthly payment, know the extra amount in advance so you can state it clearly.
Have your mortgage statement in front of you so you can confirm the due date and your regular payment amount. If you are behind on payments or in a loan modification, tell the representative that before you give your payment amount — they may need to direct your payment to a specific account or apply it in a particular order.
The Chase phone payment process, step by step
Call the number printed on your mortgage statement. Chase's automated system will ask for your loan number first. You can complete the entire payment through the automated menu by entering your bank account number and routing number using your phone keypad, or you can press a button to speak to a representative.
If you use the automated system, it will read back the amount you entered and ask you to confirm. Listen carefully — if the amount is wrong, you can cancel and start over. Once you confirm, the system generates a confirmation number. Write this down immediately. The payment is now scheduled.
If you speak to a representative, they will ask the same questions: your loan number, bank account number, routing number, and payment amount. They will also confirm your address or phone number to verify your identity. After you confirm the details, they will give you a confirmation number. Ask them to repeat it and spell it if needed.
When the payment actually leaves your bank account
Chase initiates the ACH transfer the same day you call if you call before 5 p.m. Eastern time on a business day. The money typically leaves your bank account within one to two business days. Your bank may hold the funds for a day before releasing them to Chase, depending on your bank's ACH processing schedule.
If you call after 5 p.m. Eastern or on a weekend, Chase treats your payment as if you called the next business day. This means the ACH pull may not start until the day after you call, and the money may not leave your account until two to three days later. If your payment is due tomorrow and it is already evening, calling is risky — you may miss the due date.
Check your bank account online the next day to confirm the ACH debit appeared. If you do not see it within two business days, call Chase with your confirmation number and ask them to trace the payment.
What happens if the ACH transfer fails
If your bank account does not have enough money when Chase tries to pull the payment, the ACH transfer will be rejected. Chase will not automatically retry — the payment simply fails. You will not know this happened unless you check your account or Chase calls you. This is why checking your account the next day matters.
If the ACH fails, call Chase immediately with your confirmation number. Ask them to attempt the transfer again or to accept a payment by a different method. A failed ACH does not count as a late payment if you correct it within a few days, but the longer you wait, the more likely Chase will report it as late to the credit bureaus.
If you know your account will be low on the payment date, do not use phone payment. Use a different method or contact Chase to ask about a payment plan or deferment.
Phone payment versus online payment and autopay
Phone payment works in a pinch, but it requires you to remember to call every month and to have your account information ready. Online payment through Chase's website or mobile app lets you schedule payments in advance, see a confirmation on screen, and build a payment history you can review anytime. Autopay removes the step entirely — you set it once, and Chase pulls your payment automatically on the due date each month.
Autopay is the safest option if you have a stable income and a consistent payment amount, because you cannot forget and you cannot miss a due date by accident. Online payment is the middle ground: you still make the choice each month, but you have a written record and can schedule it days ahead. Phone payment is fastest for a one-time urgent payment, but slowest and most error-prone if you do it every month.
If you need to cancel or change a phone payment
If you realize you made a mistake right after hanging up — wrong amount, wrong account — call Chase back immediately with your confirmation number. If the payment has not yet processed (usually within a few hours), they can cancel it. Once the ACH transfer has started, it cannot be stopped, but you can ask Chase to reverse it if it was entered incorrectly.
If you want to change the amount before the payment processes, call back and explain. Chase can cancel the original and create a new one. After the payment processes and leaves your account, you cannot undo it through Chase — you would have to contact your bank to dispute the transaction, which takes longer.
Frequently Asked Questions
What is Chase's phone number for mortgage payments?
The number is on your mortgage statement or bill. Do not search for it online — scammers post fake Chase numbers. Always use the number printed on your official statement. If you cannot find it, log into your Chase account online and look for a "Pay" or "Make a Payment" button, which will show you the correct number.
Can I pay my Chase mortgage by phone if I do not have a Chase bank account?
Yes. You can use any bank account — checking or savings — as long as you have the account number and routing number. The ACH transfer works the same way whether your account is at Chase, Bank of America, a credit union, or any other bank.
Do I have to pay a fee to pay my mortgage by phone?
No. Chase does not charge a fee for phone payments. Your own bank might charge a fee for outgoing ACH transfers, but most banks do not charge for this. Check your bank's fee schedule if you are unsure.
What if I call to pay but the automated system does not recognize my loan number?
Press the button to speak to a representative. They can look up your account by your name and address or phone number. This sometimes happens if your loan was recently transferred to Chase or if there is a typo in the loan number on your statement.
Can I make a partial payment by phone?
Yes. Tell the representative or enter the exact amount you want to pay. Chase will apply it to your account. If you are behind, ask the representative how they will apply the partial payment — to the oldest month first, or to the current month — so you understand which part of your arrears it covers.