OFFICIAL PRINCIPAL RECAST & AMORTIZATION AUDIT

RateRecast Executive Principal Recast & Arbitrage Dossier

Loan Profile: $400,000 Balance • 6.750% Note Rate • $50,000 Curtailment • JPMorgan Chase Bank, N.A.

Includes Fannie Mae F-1-05 Letter + 360-Mo Excel

Choose Your Execution Kit Level:

$9 Instant Action Pass Reg. $19

Fannie Mae F-1-05 Formal Recast Request Letter PDF
Complete unblurred line-item execution checklist
24-hour scenario recalculation access
Formula Excel (.xlsx) workbook not included

Complete Execution Kit ($19) Most Popular • Reg. $49

1. Fannie Mae F-1-05 Formal Recast Request Letter PDF
Everything in Instant Action Pass + Verbatim Scripts
Interactive Formula Excel Workbook (.XLSX)
30-Day Unlimited Scenario Recalculation Pass

Instant Access: Apple Pay Google Pay Card / 1-Click Link • 256-bit SSL

Monthly Payment Drop

$331.62

$2,652.91 ➔ $2,321.29

Net Interest Saved

$61,424

$61,424 Gross Saved

Refi Closing Fees Avoided

$5,000

$0 Fee vs $5,000 Refi

Break-Even Yield Hurdle

8.88%

Hurdle vs Alternative Cash

30-Year Wealth Allocation: Lump-Sum Recast vs Benchmark Opportunity Cost

💰 Net Interest Eliminated: $61,424 💵 Monthly Cash Flow Freed: $331.62/mo 🛡️ Refi Fees Avoided: $5,000

Guaranteed Debt Return: 6.750%

Refi Fee Savings: $5,000

🏡 Executive Bottom Line: Recasting $50,000 permanently reduces monthly P&I by $331.62/month and saves $61,424.32 in unamortized interest for a statutory $0 servicer fee without restarting your loan term.

Client Input Specifications & Scenario Details

CURRENT LOAN BALANCE

$400,000

Unpaid Principal Balance

NOTE INTEREST RATE

6.750% Fixed

Existing Note Rate

REMAINING TERM

336 Months

~28 Years 0 Mos

LUMP-SUM CURTAILMENT

$50,000

Direct Principal Paydown

LOAN SERVICER

JPMorgan Chase Bank, N.A.

$0 Statutory Recast Fee

AMORTIZATION TYPE

Conventional Conforming

Fannie Mae / Freddie Mac

Loan Reamortization & Modification Ledger

Amortization Metric	Baseline Note	Post-Recast Note	Net Household Advantage
Principal Balance	$400,000.00	$350,000.00	-$50,000.00 Curtailment
Monthly Principal & Interest (P&I)	$2,652.91	$2,321.29	-$331.62/month Relief
Remaining Loan Term	336 Months	336 Months	Term Preserved (Not Reset)
Note Interest Rate	6.750%	6.750%	Preserves Low Fixed Rate
Total 30-Year Interest Obligation	$491,377.76	$429,953.44	-$61,424.32 Eliminated
Upfront Transaction Cost	$0.00	$0.00	$0 Servicer Admin Fee

+5 additional line items unlocked in complete execution kit

JPMorgan Chase Bank, N.A. Recast Phone Script & Instructions

JPMORGAN CHASE BANK, N.A. RECAST DEPARTMENT PHONE: 1-800-848-9136

Call JPMorgan Chase Bank, N.A. at 1-800-848-9136.

Ask for 'Mortgage Loan Servicing: Recast / Re-Amortization Processing Desk'. State: 'Pursuant to Fannie Mae Servicing Guide F-1-05, I am submitting a formal Mortgage Recast Request on my loan. I am applying a $50,000.00 Principal-Only Curtailment (exceeding your $5,000.00 minimum) with the $0.00 Administrative Fee (Waived by Chase). Please issue the written Re-Amortization Agreement to lower my scheduled P&I to $2,321.29/month over my remaining 336 months.'

Complete Servicer Phone Script & F-1-05 Protocol unlocked in complete kit

Refinance vs. Recast Closing Cost Arbitrage

Expense Category	Traditional Refinance	RateRecast Execution	Net Savings
Lender Origination / Processing Fees	$1,450.00	$0.00	Saved $1,450
Lender Title Insurance & Escrow Policy	$1,600.00	$0.00	Saved $1,600
Full Certified Home Appraisal	$650.00	$0.00	No Appraisal Required
County Recording & Transfer Taxes	$550.00	$0.00	Saved $550
Credit Report & Underwriting Fees	$150.00	$0.00	Zero Hard Credit Pull
Administrative Servicer Recast Fee	$0.00	$0.00	One-Time Fee

+5 additional line items unlocked in complete execution kit

Schedule A Tax Drag & Treasury Opportunity Cost Comparison

Tax Status / Asset Class	Effective Tax Rate	Equivalent Net Yield	Analytical Recommendation
Standard Deduction (Tax-Free)	100% Tax-Free	6.750% Guaranteed	No Schedule A tax drag; 100% of interest savings go directly into net worth.
Itemized Schedule A (24% Fed + 5% State)	29.0% Deduction Offset	4.792% After-Tax Net	Tax shield reduction accounted for in net wealth accumulation model.
Treasury Bills Yield Benchmark	State Tax Exempt Only	5.00% Pre-Tax	Requires a minimum guaranteed pre-tax yield of 8.88% to break even.

+2 additional line items unlocked in complete execution kit

Lender Submission & Tracking Checklist

✓

Confirm loan eligibility under Fannie Mae Servicing Guide F-1-05 (Conventional conforming fixed-rate)

•

Request formal Reamortization Agreement from JPMorgan Chase Bank, N.A. Loan Servicing Department

•

Verify account has zero 30-day delinquencies in the preceding 12 months

•

Submit $50,000.00 lump-sum payment explicitly earmarked as 'Principal-Only Curtailment'

•

Remit statutory $0 servicer administrative fee via certified check or portal

•

Follow up at day 21 with JPMorgan Chase Bank, N.A. to confirm wire receipt and calculation status

•

Receive written confirmation of new monthly payment ($2,321.29/mo) within 45 days

+6 Servicer execution steps & wire protocol unlocked in complete execution kit

Direct Sourcing & Execution Partners

Export your calculated manifest directly to verified fulfillment partners to streamline ordering and lock in store return protections.

Zero-Fee Rate Comparison LendingTree Mortgage Network

Compare Live Refinance Rates vs. Recasting

Check if prevailing conforming mortgage rates beat your recast hurdle without paying lender origination points.

Compare Live Mortgage Quotes (No SSN Required) ➔

5.0%+ Government Guaranteed Cash Raisin Fixed-Income / Treasury Accounts

Lock In 5%+ Fixed-Income Yields for Arbitrage

If your mortgage rate is below the Treasury hurdle, earn state-tax-exempt yields with zero principal risk.

Open 5%+ Fixed-Income Cash Account ➔

Free Scenario Backup

Email Me a Free 1-Page Summary & Restore Link

Dispatches a clean, printable 1-page PDF summary and your personal restore link for this scenario. No credit card required.

Value-Anchored 3-Tier Execution Architecture

Every calculation is tailored to your exact inputs. Select the $9 Instant Action Pass, the $19 Complete Execution Kit (Anchored vs. $49 Advisor Value), or the $49 Pro Advisor License.

Instant Print & Checklist • Reg. $19

$9 one-time (Reg. $19)

Instant Action Pass

Unlocks the customized print-ready Execution Document and line-item store/dealer/servicer checklist.

✓ #1 Tangible Execution Document: Fannie Mae F-1-05 Recast Letter PDF
✓ Unblurred Store / Dealer / Servicer Line-Item Checklist
✓ 24-Hour Scenario Recalculation Access
✕ Verbatim Negotiation / Servicer Scripts not included
✕ 30-Day Unlimited Scenario Recalculation Pass + Formula .XLSX not included

Apple Pay, Google Pay, or Card

Most Popular • Anchored vs. $49 Advisor Value

$19 one-time (Reg. $49)

Complete Execution Kit

Everything in the Instant Action Pass plus interactive Formula Excel Workbook (.xlsx), verbatim scripts, and 30-day pass.

✓ #1 Tangible Execution Document: Fannie Mae F-1-05 Recast Letter PDF
✓ Everything in the $9 Instant Action Pass
✓ Verbatim Negotiation & Servicer Desk Scripts
✓ Full Itemized Audit Ledger & 100% Guarantee
✓ 30-Day Unlimited Scenario Recalculation Pass + Formula .XLSX Workbook

256-Bit Stripe Checkout • Pro Advisor Multi-Scenario Edition Available ($49)

Official Exact Baseline Intelligence • Instant Access Without Account Creation • 256-Bit SSL Encrypted