Update on additional home loan payment forbearance and deferral extensions  Learn more

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.

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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

Coronavirus-Related Programs & Information

Everything you need to know about help with your home loan payments if you have been impacted by the coronavirus.

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Forbearance/Deferral

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

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End of Forbearance Options

If you need longer-term help or if your forbearance period has ended, it may be possible to change the terms of your loan if you still need help.

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Loan Modification

A loan modification changes the terms of your loan in order to try to achieve more affordable payments.

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Fannie Mae & Freddie Mac Loan Modification

If you have a Fannie Mae or Freddie Mac loan, you may be able to modify your loan to make your payments more affordable.

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Federal Housing Administration (FHA) Loan Modification

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

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Veterans Affairs (VA) Loan Modification

If your loan is insured by the VA and you’re experiencing a hardship, a loan modification may make your payments more affordable.

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USDA (Rural) Loan Modification

If you have a USDA (Rural) loan, it may be possible to modify your loan to lower your mortgage payments.

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Non-Government Owned/Insured Loan Modification

If you have a loan that is not owned or insured by a government entity, understand how a loan modification may make your payments more affordable.

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Home Equity Assistance

If you’re struggling with your Bank of America home equity loan or line of credit payments, there may be options to change the terms to achieve more affordable payments.

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State & Local Assistance

Funds available through various states and local organizations that may help prevent mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacement.

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Homeowner Counseling Services

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 Mon-Fri 8 a.m. - 8 p.m. Eastern

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