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You can request a stop payment on a physical HELOC check that was written from your HELOC checkbook by calling Customer Service at 800-623-2698. You can also place the stop payment by visiting any of our OceanFirst branch.
OceanFirst Bank currently do not offer escrow and principal only payments but coming soon.
Your grace period is a specified period after the due date in which a payment can be made without incurring late fees.
- The number of days is outlined in your Note.
- The billing statement has the due date, and the amount of the late fee if the payment is made after the grace period.
OceanFirst Bank offers various grace periods before assessing a late fee. Please review your loan documents, specifically the Promissory Note.
Recasting a mortgage or otherwise known as re-amortization, is a process in which the borrower makes a substantial lump sum payment towards the principal balance of their existing mortgage. After the payment is applied, a recalculation of the monthly mortgage payment based on the reduced principal balance while keeping the same interest rate and the remaining term. This results in lower monthly mortgage payments.
Everyone is not eligible for a recast. Please submit your request to residentialloanservicing at oceanfirst dot com and instructions will be provided.