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Common Options for Avoiding Foreclosure

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Loan Modifications Forbearance Plan Short Sales Deed-in-Lieu Home Affordable Foreclosure Avoidance
Bayview's Loan Counseling Department Is Here to Help You

The sooner you contact us, the faster we can work together to get your account back on track.

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Common Reasons for Financial Hardship
  • Unemployment
  • Divorce
  • Death of a family member
  • Disability or Illness
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Bayview Loan Counseling

Housing Counselor Information

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You Have Options
Whether you want to try to stay in your home or are interested in moving on, Bayview Loan Servicing® has options that can help you overcome this stressful situation and prevent further damage to your credit. The solution to your hardship is up to you.

"What Options Do I Have to Keep My Home?"
If you want to keep your home, and have experienced a hardship or loss of income that has made your mortgage unaffordable, there are several loan modification opportunities that you may be eligible for. Please visit our Loan Modifications page to learn the different solutions to your hardship.

If you are experiencing a temporary financial hardship, we may be able to grant you additional time to catch up on past due payments under an agreement called a Forbearance Plan. For more information on this plan, please visit our Forbearance page.

"What Options Do I Have If I Don't Want to Keep the Property?"
If you want to move on, you may be eligible to avoid foreclosure on your home through a short sale or deed-in-lieu program. These programs may even provide cash for relocation.

Short sales are intended to help homeowners sell their property in a situation where the amount owed on the home may be more than its current value. For more information, please visit our Short Sales page.

A deed-in-lieu of foreclosure is when a homeowner deeds their property to Bayview Loan Servicing®. This route is often taken when the property could not be sold during a short sale. For more information, please visit our Deed-in-Lieu page.

The Home Affordable Foreclosure Avoidance (HAFA) program is a government program that may give you the opportunity to move on and transition into a more affordable home. Depending on the investor of your loan, you may be able to apply for a HAFA review no later than December 30, 2016. For more information on this program, please visit our HAFA page.

Important Documentation
In most cases, a Hardship Application may be the first step for Bayview to review your current financial situation when requesting help with your mortgage. Your Bayview representative will advise you if you need to complete this application.

Once you have completed the application, please use one of the five simple ways to return documents to Bayview.

Call our Loan Counseling department at 1.800.771.0299 to learn more about your foreclosure avoidance options.
Choose the right path for you. Get started now.

Loss mitigation options may have costs associated with them that you may be responsible for after completion of loss mitigation. Examples of these costs include title searches, appraisals and valuations. The costs may vary depending on the loan information, geographic area, etc. Please contact us for information on costs that may be associated with your loss mitigation evaluation.
It is the policy of Bayview Loan Servicing, LLC to provide services without regard to race, color,
religion, national origin, ancestry, age, sex, familial status, physical handicap or disability.
The information in this web site is made available with the understanding that Bayview Loan Servicing, LLC and its affiliates use reasonable care in providing information but cannot guarantee accuracy or completeness. Information is provided with no warranty, express or implied, and all such warranties are expressly disclaimed. We assume no liability for any loss, damage or expense from errors or omissions in these materials, whether arising in contract, tort or otherwise. This information is proprietary and its acquisition, copying, transmittal or use by unauthorized parties is strictly prohibited.

Bayview Loan Servicing, LLC, is a debt collector. Any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay in bankruptcy this notice is for information purposes only and does not constitute a demand of payment or any attempt to collect such obligation.

Mortgage Scam Alert: Beware of home loan rescue scams. Facing the possibility of not being able to make your mortgage payments is an unsettling time. Unfortunately, con artists often attempt to take advantage of vulnerable homeowners and may try deceptive scams where they pretend to represent Bayview Loan Servicing, LLC ("Bayview") and allege to have your best interest in mind. You should know that loss mitigation options and counseling do not require fees when working directly with Bayview or a HUD approved housing counselor. For your protection, if you are unsure if the person communicating with you about a modification or other deferment agreement or requiring you to make payments is from Bayview or a legitimate counseling resource, please contact the Customer Relations Department at 1.800.457.5105 or at customerservice@bayviewloanservicing and tell us about your situation.

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