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Specialized Loan Servicing mortgage recast: rules and fee

Every figure below is taken from SLS published recast policy and was checked on 27 Aug 2026. Where Specialized Loan Servicing publishes nothing, the row says so rather than guessing.

Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
$5,000
$5,000 minimum
Recast fee
$500
$500
Excluded loan types
See note
Not published
Timing & frequency
See note
90 days after closing; 90 days before an ARM reset; no lates in the last 12 months; all signatories must sign and notarize
Primary source

SLS published recast policy — sls.net — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.

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 Specialized Loan Servicing's $500 fee and warns below their $5,000 minimum.

Use Specialized Loan Servicing in the calculator

Other servicers

ChaseWells FargoBank of AmericaRocket MortgageMr. CooperPennyMacFreedom MortgageUS BankTruistNewrez / ShellpointFlagstarPenFedTrustmarkNew American FundingPlains CommerceThe Mortgage FirmPNCCrossCountryNavy FederalFifth ThirdGuild MortgageloanDepotCiti

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