Home Affordable Modification Program

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Visit makinghomeaffordable.gov for in-depth information.
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Affordable Mortgage
Call our Loan Counselors for Other Options at 1.800.771.0299

The Deadline to Apply for HAMP has Expired
The deadline to submit an initial package to be evaluated for HAMP expired on December 30, 2016. If you have an assigned Asset Manager, reach out to him or her to discuss payment solutions. To discuss other options that may be available to you, contact our Loan Counseling staff directly at 1.800.771.0299.
Home Affordable Modification Program (HAMP)
The Home Affordable Modification Program is intended to help qualified homeowners keep their homes by making their mortgage payments more affordable. It was offered as part of the Making Home Affordable initiative sponsored by the U.S. Department of the Treasury.

Qualified homeowners may have the terms of their unaffordable loans permanently modified after a trial period to make payments more affordable. You can learn more about the program and its benefits by visiting www.makinghomeaffordable.gov .

How the modification program works ― Overview

1. Qualification and Affordable Payment Calculation
Homeowners should have provided the requested documentation of their hardship and financial condition for review and verification by December 30, 2016. If you qualified for a modification, a new more affordable payment is calculated. You must sign and return the Trial Modification Agreement and make your first payment at the new affordable payment amount.

Homeowners who didn't qualify for the Home Affordable Modification Program may be presented with other options and programs for avoiding foreclosure.

2. Trial Modification Plan Period
Homeowners must complete a 90-day Trial Modification Plan Period during which they must make payments in-full and on-time. The Trial period starts upon receipt by Bayview of the signed Trial Modification Agreement and the first payment.

3. Permanent Modification
After successfully completing the 90-day Trial Modification Plan Period, qualifying homeowners will have their loan modifications made permanent when they return a signed Modification Agreement. In some cases, additional benefits may accrue over the subsequent five years for homeowners who keep their loans current over that time.


HFA Hardest Hit Funds Programs
Bayview participates in the Hardest Hit Fund (HHF) programs from the following states. Follow the links for each state program to learn the details.


Important Documentation
The Hardship Application should have been completed and submitted to Bayview by December 30, 2016, in order to be evaluated for HAMP. To discuss other options that may be available to you, contact our Loan Counseling staff directly at 1.800.771.0299. Your Bayview representative will advise you if you need to complete this application to be evaluated for other options.

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


Call our Loan Servicing department at 1.800.771.0299 to learn more about your foreclosure avoidance options.
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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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