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Loan Modifications

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Home Affordable Modification Program Principal Reduction Alternative
Bayview's Loan Counseling Department Is Here to Help You

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Common Reasons for Financial Hardship
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Make Your Mortgage More Affordable
A loan modification changes your repayment terms in order to make your payments more affordable. Your loan could be modified in several ways including lowering your monthly payments and/or establishing a fixed interest rate.

A modification may be your best option if:
  • You would like to stay in your home but your payments have become unaffordable
  • You have already missed a payment due to hardship
  • You will not be able to make payments in the foreseeable future under the current terms of your loan
  • You can afford to make a lower mortgage payment

How Does a Loan Modification Work?
A loan modification involves an evaluation of your mortgage and financial standing for the possibility of a lower payment. If you are unable to pay the total amount outstanding or your loan has matured, this may be an option. Your loan could be modified to:
  • Extend the term
  • Convert an adjustable rate mortgage to a fixed rate loan
  • Amortize the monthly payment over a longer period
  • Add the past due balance to the outstanding principal balance in order to bring the account current
You may be required to submit current financial information to determine whether you are eligible for this option.

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.

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