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Home Loan Assistance | Bank of America
<!doctype html> <html lang="en-US"> <head> <meta charset="utf-8" /> <title>Home Loan Assistance | Bank of America</title> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="initial-scale=1.0, width=device-width" /> <meta name="description" content="Having trouble with home loan payments? We鈥檙e here to help. Understand Bank of America home loan assistance options."> <meta name="keywords" content="home loan help, home loan assistance, home loans help"> <link rel="canonical" href="https://homeloanhelp.bankofamerica.com/en/"/> <link rel="stylesheet" href="/assets/styles/main.css" /> <link rel="icon" href="https://www1.bac-assets.com/pa/global-assets/1.0/graphic/favicon.ico" type="image/x-icon"/> </head> <body class="LAH_HP " data-pagename="LAH_HP" > <div class="lah-max-resolution"> <a href="#main-content" class="ada-skip top-nav-skip not-modal">Skip to main content</a> <div class="top-nav not-modal" data-action="languageSwitcher"> <ul class="top-nav-list"> <li class="top-nav-list--item"> <a href="https://locators.bankofamerica.com/" target="_blank" rel="noopener noreferrer" id="Locations_Header" >Locations</a> </li> <li class="top-nav-list--item"> <a href="https://www.bankofamerica.com/contactus/contactus.go?topicId=mrtg_home_equity" target="_blank" rel="noopener noreferrer" 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class="menu-bar-link" data-haschevron="false" href="/en/" rel="noopener noreferrer" >Home Loan Assistance</a> </li> <li> <a id="Stay_In_Home" class="menu-bar-link" data-haschevron="true" href="javascript:void(0);" role="button" aria-expanded="false" >Stay in Home</a> <div class="level-one"> <ul class="level-one-list"> <li class="level-one-item level-one-item__first"> <a id="Stay_In_Home_Overview" class="level-one-link" data-haschevron="false" href="/en/stay-in-home.html" rel="noopener noreferrer" >Stay in Home <i class="arrow right"></i></a> <p>Learn about programs that may help you avoid foreclosure and stay in your home.</p> </li> <li class="level-one-item level-one-item__last"> <a id="Stay_In_Home_Forbearance" class="level-one-link" data-haschevron="false" href="/en/forbearance.html" rel="noopener noreferrer" >Forbearance <i class="arrow right"></i></a> <p>For temporary hardships such as medical illness or natural disaster, it may be possible to reduce or suspend loan payments for a short period of time.</p> </li> <li class="level-one-item level-one-item__first level-one-item__last"> <a class="mega-menu-header" id="Stay_In_Home_LMD" role="presentation" >Loan Modification <i class="arrow right"></i></a> <p>A loan modification changes the terms of the loan in order to try to achieve more affordable payments.</p> <ul class="level-two"> <li> <a id="Stay_In_Home_Explore_Options" class="level-two-link" data-haschevron="" href="/en/loan-modification.html" rel="noopener noreferrer" >Explore your options <i class="arrow right"></i></a> <p>Explore loan modifications options that may make staying in your home more affordable.</p> </li> <li> <a id="Stay_In_Home_LMD_HEA" class="level-two-link" data-haschevron="" href="/en/home-equity-modification.html" rel="noopener noreferrer" >Home Equity Assistance <i class="arrow right"></i></a> <p>Learn about options to modify the terms of Bank of America home equity loan or line of credit payments.</p> </li> </ul> </li> <li class="level-one-item level-one-item__first level-one-item__last"> <a id="State_And_Local_Assitance" class="level-one-link" data-haschevron="false" href="/en/homeowner-assistance-fund.html" rel="noopener noreferrer" >State and Local Assistance <i class="arrow right"></i></a> <p>Explore assistance options from state and local organizations.</p> </li> </ul> </div> </li> <li> <a id="Leave_House" class="menu-bar-link" data-haschevron="true" href="javascript:void(0);" role="button" aria-expanded="false" >Leave House</a> <div class="level-one"> <ul class="level-one-list"> <li class="level-one-item level-one-item__first level-one-item__last"> <a id="Leave_House_Overview" class="level-one-link" data-haschevron="false" href="/en/leave-house.html" rel="noopener noreferrer" >Leave House <i class="arrow right"></i></a> <p>Learn about home loan assistance solutions for settling home loan debt.</p> </li> <li class="level-one-item level-one-item__first level-one-item__last"> <a id="Leave_House_Short_Sale" class="level-one-link" data-haschevron="false" href="/en/short-sale-process.html" rel="noopener noreferrer" >Short Sale <i class="arrow right"></i></a> <p>If mortgage payments can't be made due to financial hardship, a short sale may help settle the home loan debt and prevent foreclosure.</p> </li> <li class="level-one-item level-one-item__first"> <a id="Leave_House_DL" class="level-one-link" data-haschevron="false" href="/en/deed-in-lieu.html" rel="noopener noreferrer" >Deed in Lieu <i class="arrow right"></i></a> <p>If a sale of the property hasn鈥檛 been successful, signing the house over to the lender may settle the loan.</p> </li> <li class="level-one-item level-one-item__last"> <a id="Leave_House_FIA" class="level-one-link" data-haschevron="false" href="/en/foreclosure-help.html" rel="noopener noreferrer" >Foreclosure Info & Alternatives <i class="arrow right"></i></a> <p>Foreclosure can happen to anyone for a number of reasons. If foreclosure may be a possibility — even if a foreclosure notice hasn鈥檛 been received — there may be alternatives.</p> </li> </ul> </div> </li> <li> <a id="Document_Checklist" class="menu-bar-link" data-haschevron="false" href="/en/document-checklist.html" rel="noopener noreferrer" >Document Checklist</a> </li> <li> <a id="My_Loan_Status" class="menu-bar-link" data-haschevron="false" href="/en/loan-status.html" rel="noopener noreferrer" >Check Status</a> </li> <li> <a id="Support" class="menu-bar-link" data-haschevron="true" href="javascript:void(0);" role="button" aria-expanded="false" >Support</a> <div class="level-one"> <ul class="level-one-list"> <li class="level-one-item level-one-item__first level-one-item__last"> <a id="Support_Overview" class="level-one-link" data-haschevron="false" href="/en/additional-support.html" rel="noopener noreferrer" >Support <i class="arrow right"></i></a> <p>Discover more resources that may be helpful throughout the home loan assistance process.</p> </li> <li class="level-one-item level-one-item__first"> <a id="Support_Safety" class="level-one-link" data-haschevron="false" href="/en/avoiding-mortgage-scams.html" rel="noopener noreferrer" >Safety <i class="arrow right"></i></a> <p>Learn how to recognize and avoid common mortgage relief scams.</p> </li> <li class="level-one-item level-one-item__last"> <a id="Support_Counseling" class="level-one-link" data-haschevron="false" href="/en/homeowner-counseling.html" rel="noopener noreferrer" >Counseling <i class="arrow right"></i></a> <p>Find local resources through the U.S. Department of Housing and Urban Development鈥檚 (HUD) homeowner counseling services and understand foreclosure prevention options.</p> </li> <li class="level-one-item level-one-item__first"> <a id="Support_FAQ" class="level-one-link" data-haschevron="false" href="/en/frequently-asked-questions.html" rel="noopener noreferrer" >FAQs <i class="arrow right"></i></a> <p>Straight forward answers to frequently asked questions.</p> </li> <li class="level-one-item"> <a id="Support_More_Products" class="level-one-link" data-haschevron="false" href="/en/more-bank-of-america-products.html" rel="noopener noreferrer" >More Products <i class="arrow right"></i></a> <p>We have even more solutions, from assistance with credit cards to help with auto loans.</p> </li> <li class="level-one-item level-one-item__last"> <a id="Support_Glossary" class="level-one-link" data-haschevron="false" href="/en/glossary.html" rel="noopener noreferrer" >Glossary <i class="arrow right"></i></a> <p>Easy-to-understand explanations of terms.</p> </li> </ul> </div> </li> </ul> <div class="utility-link-nav not-modal" data-action="languageSwitcher"> <ul class="utility-link-nav__list"> <li class="utility-link-list__item"> <a href="https://locators.bankofamerica.com/" target="_blank" rel="noopener noreferrer" id="Locations_Header" >Locations</a> </li> <li class="utility-link-list__item"> <a href="https://www.bankofamerica.com/contactus/contactus.go?topicId=mrtg_home_equity" target="_blank" rel="noopener noreferrer" id="Contact_Us_Header" >Contact Us</a> </li> <li class="utility-link-list__item"> <a href="#" target="" rel="noopener noreferrer" id="Espanol_Header" lang="es" class="lang-switch">Espa帽ol</a> </li> </ul> </div> </div> </nav> <div role="main" class="wrapper not-modal" id="main-content" tabindex="-1"> <style> @media screen and (max-width:642px) { .masthead--B { background-image: url(/assets/images/trees-mobile.jpg); } } @media screen and (min-width:643px) { .masthead--B { background-image: url(/assets/images/lead-in-green.jpg); } } </style> <section id="masthead" class="section masthead masthead--B" > <div class="section__wrapper masthead__wrapper"> <div class="masthead__section"> <p class="masthead__preheading">Home Loan Assistance</p> <h1 class="masthead__heading">Struggling with home loan payments?<br/> We’re here to help.<br/><br/></h1> </div> </div> </section><section class="cta-block"> <div class="cta-block__wrapper "> <div class="cta-block__container "> <h2 class="cta-block__container--title">Staying in my home</h2> <p class="cta-block__container--paragraph">Assistance programs may make payments more affordable.</p> <a id="Stay_In_Home_Learn_More" class="cta cta-block__container-anchor" href="/en/stay-in-home.html" aria-label="Learn more for I want to stay in my home" >Learn more</a> </div> <div class="cta-block__container "> <h2 class="cta-block__container--title">Leaving my house</h2> <p class="cta-block__container--paragraph">There are solutions that may help settle home loan debt.</p> <a id="Leave_Home_Learn_More" class="cta cta-block__container-anchor" href="/en/leave-house.html" aria-label="Learn more for I would consider leaving my house" >Learn more</a> </div> </div> <div class="cta-block__dc"> <h2 class="cta-block__dc--title">Document Checklist</h2> <p class="cta-block__dc--paragraph">See which documents you may need.</p> <a id="Get_Started" class="cta" href="/en/document-checklist.html" aria-label="Get Started with your document checklist">Get started</a></div> </section><section id="text-block-cta" class="text-block-cta section"> <div class="text-block-cta__container"> <div class="text-block-cta__item" > <h2 class="text-block-cta__heading">Alternatives to Foreclosure</h2> <p class="text-block-cta__copy">Understanding foreclosure and trying to avoid it.</p> <a id="Foreclosure_Alts_Learn_More" class="cta" href="/en/foreclosure-help.html" aria-label="Learn more for Alternatives to foreclosure" >Learn more</a> </div> <div class="text-block-cta__item" > <h2 class="text-block-cta__heading">Avoiding Scams</h2> <p class="text-block-cta__copy">Read tips to help avoid common mortgage scams.</p> <a id="Avoiding_Scams_Learn_More" class="cta" href="/en/avoiding-mortgage-scams.html" aria-label="Learn more for Avoiding Scams" >Learn more</a> </div> <div class="text-block-cta__item" > <h2 class="text-block-cta__heading">Connect with a Counselor</h2> <p class="text-block-cta__copy">An advisor can provide guidance for your situation.</p> <a id="Counselor_Learn_More" class="cta" href="/en/homeowner-counseling.html" aria-label="Learn more for Connect with a Counselor" >Learn more</a> </div> </div> </section><section id="call-us" class="section call-us call-us--blue-bg" data-action="callUs"> <div class="section__wrapper"> <h2 class="call-us__heading">Call us</h2> <div class="call-us__info-container"> <p class="call-us__phone--desktop">800.669.6650</p> <a href="tel:1800.669.6650" class="call-us__phone--mobile">800.669.6650</a> <span class="call-us__workinghours">Monday through Friday<br/>8 a.m. - 8 p.m. Eastern</span> <p class="call-us__availability">Help is available in English, <a href="/es/" id="spanish_blue_banner">Spanish</a> and many other languages.</p> </div> </div> </section> <footer class="section footer not-modal"> <div class="section__wrapper footer__wrapper"> <div class="footer__boalogo"> <a id="Footer_Logo" target="_blank" rel="noopener noreferrer" href="https://www.bankofamerica.com"> <img src="/global/assets/images/logo-bac-horiz-1.0.0.svg" role="img" alt="Bank of America" /> </a> </div> <div class="footer__bottom"> <ul> <li> <svg class="footer__lock" aria-hidden="true" focusable="false" xmlns="https://www.w3.org/2000/svg" viewBox="0 0 11 12"><title>lock</title><path d="M0,5.51H11V12H0ZM4.13,4.05S3.78,2.11,5.5,2.11,6.88,4.05,6.88,4.05H9.63A4,4,0,0,0,5.7,0H5.5A4,4,0,0,0,1.38,3.85q0,.1,0,.2Z"/></svg> </li> <li> <a id="Footer_Privacy" href="https://www.bankofamerica.com/security-center/privacy-overview/" target="_blank" rel="noopener noreferrer">Privacy</a> </li> <li> <a id="Footer_Security" href="https://www.bankofamerica.com/security-center/overview/" target="_blank" rel="noopener noreferrer">Security</a> </li> <li> <a id="Footer_AdPractices" href="#" aria-label="Advertising Practices opens in a modal dialogue" class="show__modal">Advertising Practices</a> </li> <li> <a id="Footer_OneTrust" href="javascript:void(0);" aria-label="Your Privacy Choices opens in a modal dialogue" class="ot-sdk-show-settings footer__cookie"></a> </li> </ul> <p> Bank of America, N.A. 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