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- Back
- Overview
  - Overview
    
    Learn about programs that may help you avoid foreclosure and stay in your home.
    Learn more
- Coronavirus-Related Assistance
  - Programs & Information
    - Programs & Information
      
      Everything you need to know about help with your home loan payments if you have been impacted by the coronavirus.
      Learn more
  - Forbearance/Deferral
    - Forbearance/Deferral
      
      If your hardship is temporary, you may be able to reduce or suspend your payments until it improves.
      Learn more
  - End of Forbearance Options
    - 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.
      Learn more
  - State & Local Assistance
    - State & Local Assistance
      
      Funds available through various states, tribes, and local organizations that may help prevent mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacement.
      Learn more
- Loan Modification
  - Overview
    - Overview
      
      A loan modification changes the terms of your loan in order to try to achieve more affordable payments.
      Learn more
  - Fannie Mae/Freddie Mac
    - Fannie Mae/Freddie Mac
      
      If you have a Fannie Mae or Freddie Mac loan, you may be able to modify your loan to make your payments more affordable.
      Learn more
  - Federal Housing Admin (FHA)
    - Federal Housing Admin (FHA)
      
      If you have an FHA loan, you may be able to lower your monthly mortgage payments with a loan modification.
      Learn more
  - Veterans Affairs (VA)
    - Veterans Affairs (VA)
      
      If your loan is insured by the VA and you’re experiencing a hardship, a loan modification may make your payments more affordable.
      Learn more
  - USDA (Rural)
    - USDA (Rural)
      
      If you have a USDA (Rural) loan, it may be possible to modify your loan to lower your mortgage payments.
      Learn more
  - Non-Government Owned/Insured
    - Non-Government Owned/Insured
      
      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.
      Learn more
  - Home Equity Assistance
    - 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.
      Learn more
Leave House
- Back
- Overview
  - Overview
    
    Learn about home loan assistance solutions for settling home loan debt.
    Learn more
- FHA Short Sale
  - FHA Short Sale
    
    If you have an FHA loan and are worried about foreclosure, this program offers alternatives for settling your mortgage debt.
    Learn more
- Cooperative Short Sale
  - Cooperative Short Sale
    
    If you owe more on your mortgage than the current value of your house, a Cooperative Short Sale may help you avoid foreclosure.
    Learn more
- Traditional Short Sale
  - Traditional Short Sale
    
    If you don't have prior approval to pursue a short sale but already have a potential buyer, we can help you take the next steps.
    Learn more
- Deed in Lieu
  - Deed in Lieu
    
    If you can't sell your house, you may be able to settle your loan by signing the house over to your lender.
    Learn more
- Foreclosure Info & Alternatives
  - Foreclosure Information & Alternatives
    
    Foreclosure can happen to anyone for a number of reasons. If you may be heading toward a foreclosure, or even if you've received a foreclosure notice, there may be alternatives.
    Learn more
Document Checklist
My Loan Status
Support
- Back
- Overview
  - Overview
    
    Discover more resources that may be available as you go through the home loan assistance process
    Learn more
- Safety
  - Safety
    
    Learn how to recognize and avoid common mortgage relief scams.
    Learn more
- Counseling
  - Counseling
    
    Find local resources through HUD's homeowner counseling services and understand your foreclosure prevention options.
    Learn more
- FAQs
  - FAQs
    
    Straight forward answers to frequently asked questions.
    Learn more
- More Products
  - More Products
    
    We have even more solutions, from assistance with credit cards to help with auto loans.
    Learn more
- Glossary
  - Glossary
    
    Easy-to-understand explanations of terms.
    Learn more

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.

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

Coronavirus-Related Programs & Information

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

Learn more

Forbearance/Deferral

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

Learn more

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.

Learn more

Loan Modification

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

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

USDA (Rural) Loan Modification

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

Learn more

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.

Learn more

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.

Learn more

State & Local Assistance

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

Learn more

Homeowner Counseling Services

Government organizations are available to discuss your financial situation and help you create a plan to help.

Learn more

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.

Learn more

FAQs

Frequently asked questions to help you be better prepared.

Learn more

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.

| 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).

This is the second paragraph

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

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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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