Plains Commerce mortgage recast: rules and fee
Every figure below is taken from Plains Commerce Bank servicing pages and was checked on 27 Aug 2026. Where Plains Commerce publishes nothing, the row says so rather than guessing.
Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
None stated
10% of the current balance
Recast fee
$300
$300
Excluded loan types
See note
Not published
Timing & frequency
See note
First 2 payments made; no transfer within 45 days · Once per 12 months
Primary source
Plains Commerce Bank servicing pages — plainscommerce.com — 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 Plains Commerce's $300 fee.
Ad slot — below the policy
Reserved 280px in CSS. Fixed position, no auto ads, no layout shift.
Other servicers
Compiled and verified by Moh Bami, Tampa, FL, on 27 August 2026. This page states what Plains Commerce publishes. It is not mortgage advice, and it is not a quote.