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The Mortgage Firm mortgage recast: rules and fee

Every figure below is taken from The Mortgage Firm servicing pages and was checked on 27 Aug 2026. Where The Mortgage Firm publishes nothing, the row says so rather than guessing.

Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
$10,000
$10,000, and it may be aggregated across 3 months
Recast fee
$500
$500
Excluded loan types
See note
Second liens, interest-only loans, and ARMs resetting within 30 days
Timing & frequency
Not published
Not published
Primary source

The Mortgage Firm servicing pages — themortgagefirm.com — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.

Escrow

States explicitly that escrow is unchanged. A recast fixes principal and interest. It does not fix the escrow portion of your bill, which is billed separately and can still move with taxes and insurance.

Price a recast on these rules

The calculator prefills The Mortgage Firm's $500 fee and warns below their $10,000 minimum.

Use The Mortgage Firm in the calculator

Other servicers

ChaseWells FargoBank of AmericaRocket MortgageMr. CooperPennyMacFreedom MortgageUS BankTruistNewrez / ShellpointFlagstarPenFedTrustmarkSpecialized Loan ServicingNew American FundingPlains CommercePNCCrossCountryNavy FederalFifth ThirdGuild MortgageloanDepotCiti

Compiled and verified by Moh Bami, Tampa, FL, on 27 August 2026. This page states what The Mortgage Firm publishes. It is not mortgage advice, and it is not a quote.