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Home Affordable Unemployment Program

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Forbearance Plan
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.

Mon-Fri: 8am-12 midnight (ET)
Saturday: 8am-5pm (ET)
Sunday: Closed

Am I Eligible for a Home Affordable Modification Program (HAMP)?

Take a short online questionnaire to learn if you may qualify for a loan modification and make your monthly mortgage payments more affordable.

View Online Questionnaire

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

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Approved Counseling Agencies New York

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Resources for Texas Homeowners
Approved Counseling Agencies Texas

Resources for Chicago Homeowners
Neighborhood Housing Services Chicago

Home Affordable Unemployment
Program (HAUP) Provides
Assistance to
Unemployed Homeowners

Call our Loan Counseling department at 1.800.771.0299 to learn more about your foreclosure avoidance options.
To get started now on choosing the right path for you, please click here.

Suspend Your Mortgage During Unemployment
The Home Affordable Unemployment Program (HAUP) provides homeowners struggling to pay their mortgages due to unemployment with a forbearance plan, which is a temporary period of time during which your regular monthly mortgage payment is reduced or suspended. This government program may suspend your payments for 12 months or more.

Are You Eligible?
You may be eligible for HAUP if:
  • The mortgage loan is secured by a one- to four-unit property, one unit of which is your principal residence.
  • The mortgage loan is a first lien mortgage loan originated on or before January 1, 2009.
  • The house is occupied as your primary residence.
  • There is an unpaid principal balance of the mortgage loan that is equal to or less than:

    - 1 Unit: $729,750
    - 2 Units: $934,200
    - 3 Units: $1,129,250
    - 4 Units: $1,403,400

  • The current unpaid principal balance of the mortgage loan is equal to or less than $729,750.
  • The mortgage loan is delinquent, or default is reasonably foreseeable.
  • The mortgage loan has not been previously modified under HAMP, and you have not previously received an HAUP forbearance period.

First Steps
  • Request that Bayview consider you for HAUP before three full mortgage payments are due and unpaid.
  • Be unemployed when you request consideration for HAUP, and be able to document that you will receive unemployment benefits in the month of the forbearance period effective date.

Important Documentation
In most cases, a Mortgage Assistance 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.

For assistance completing the application, please use our Guide to the Mortgage Assistance Application, or contact your Bayview representative.
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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