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Overview

I want to avoid foreclosure and stay in my home

The following programs may help you avoid foreclosure and allow you to stay in your home.

Call us

800 669 6650

800 669 6650 Mon-Fri 8 a.m. - 8 p.m. Eastern

Help is available in English,
Spanish and many other languages

Refinance

If you have at least 3%-5% equity in your home, you may be able to lower monthly payments by refinancing.

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Low Equity Refinance

If the value of your home is close to or less than what you owe, we may be able to help you refinance your existing Freddie Mac mortgage with this refinance program option.

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Forbearance

If your financial problem is temporary, you may be able to reduce or suspend your mortgage payments until it improves.

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FHA Modification

If you have an FHA loan, you may be able to lower your monthly mortgage payments.

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Bank of America Home Loan Modification

We offer different modification programs that may lower your monthly mortgage payments to help you avoid foreclosure.

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Home Equity Assistance

If you have a Bank of America home equity loan or line of credit, a home equity loan modification may help you afford your monthly payments.

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Hardest Hit Fund

If you live in one of the states most affected by housing price declines, a variety of assistance programs may be available.

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Homeowner Counseling Services

Non-profit and government organizations are available to discuss your financial situation and help you create a plan to help.

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Foreclosure

A foreclosure can happen to anyone for a number of reasons. If you feel you may be heading toward a foreclosure, or even if you've already received a foreclosure notice, there may be alternatives.

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FAQs

Frequently asked questions to help you be better prepared.

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Call us

800 669 6650

800 669 6650 Monday - Friday 8 a.m. - 8 p.m. Eastern

Help is available in English, Spanish and many other languages.

Privacy & Security | Advertising Practices
Bank of America, N.A. Member FDIC. Equal Housing Lender

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Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

Qualifying direct deposit

A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. Please note, this does not include a transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill Edge® or Merrill Lynch® account.

Qualifying purchase

A qualifying debit card purchase is any purchase of goods or services made in store, by telephone or online using the debit card and/or debit card number associated with the new checking account that qualified for the $150 bonus. Purchases will be qualified based on the day the purchase posts to your new account. Purchases include any payments made using your debit card number but do not include ATM transactions (such as withdrawals).

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Bank of America Core Checking®

No monthly maintenance fee for each statement cycle that you:

Have at least one Qualifying Direct Deposit of $250

Maintain a minimum daily balance of $1,500 or more

Students under age 24 are eligible to have this fee waived while
enrolled in high school, college or a vocational program.

Preferred Rewards clients get this fee waived.

Or pay $12/month

Bank of America Interest Checking®

No monthly maintenance fee for each statement cycle that you:

Maintain a combined balance* of at least $10,000 or more

*Combined balances include:
The average daily balance in eligible linked checking
and savings accounts for the statement cycle

AND

The current balances in linked personal CDs and IRAs
at the end of the Interest Checking statement cycle

AND

The current balance (2 business days before the end of the Interest Checking statement cycle)
in your eligible linked Merrill Edge® and Merrill Lynch® investment accounts

Preferred Rewards clients get this fee waived.

Or pay $25/month

Bank of America® Rewards Savings

No monthly maintenance fee for each statement cycle that you:

Maintain a minimum daily balance of at least $500

Link your Bank of America Interest Checking® account to your Rewards Savings account
(waiver applies to first 4 savings accounts)

When you are a Bank of America Preferred Rewards client
(waiver applies to first 4 checking and savings accounts)

Or pay $8/month

Important notice

You're continuing to another website

You're continuing to another website that Bank of America doesn't own or operate. Its owner is solely responsible for the website's content, offering and level of security, so please refer to the website's posted privacy policy and terms of use.

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Le informamos que la página que está a punto de ver solo se ofrece en inglés. Las solicitudes y documentos para productos y servicios específicos también pueden estar solo en inglés.

Como siempre, asegúrese de leer y entender todos los términos y condiciones antes de elegir un producto, y póngase en contacto con nosotros si tiene cualquier pregunta.

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