PenFed mortgage recast: rules and fee
Every figure below is taken from PenFed servicing pages — the minimum could not be confirmed and was checked on 27 Aug 2026. Where PenFed publishes nothing, the row says so rather than guessing.
Primary source
PenFed servicing pages — the minimum could not be confirmed — penfed.org — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.
Contradiction on the open web
The 20%-of-balance minimum is far outside every other published policy and could not be confirmed against a primary document. Treat it as unverified.
Escrow
Not published. 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 PenFed's $250 fee.
Other servicers
Compiled and verified by Moh Bami, Tampa, FL, on 27 August 2026. This page states what PenFed publishes. It is not mortgage advice, and it is not a quote.