You are accessing www.Bayviewloanservicing.com on an unsupported browser. Your security and user experience are important to us. Please download the latest version of your preferred browser and navigate back to the www.Bayviewloanservicing.com

A A A C

Loan Modifications

Share |
Home Affordable Modification Program Principal Reduction Alternative
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.

1.800.771.0299
Mon-Fri: 8am-12 midnight (ET)
Saturday: Closed
Sunday: Closed

Launch local help button
Common Reasons for Financial Hardship
  • Unemployment
  • Divorce
  • Death of a family member
  • Disability or Illness
Please contact us toll free:
Bayview Loan Counseling
1.800.771.0299


Housing Counselor Information
1.800.569.4287

Resources for New York Homeowners
Approved Counseling Agencies New York open in new tab

Resources for Washington State Homeowners
Approved Counseling Agencies Washington open in new tab

Resources for Texas Homeowners
Approved Counseling Agencies Texas open in new tab

Resources for Chicago Homeowners
Neighborhood Housing Services Chicago open in new tab


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 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.
To get started now on choosing the right path for you, please click here.

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.

Bayview Loan Servicing ,LLC is committed to providing an accessible website. If you have difficulty accessing content, have difficulty viewing a file on the website, or notice any accessibility problems, please contact us to specify the nature of the accessibility issue and the assistive technology you use. We will strive to provide the content you need in the format you require. We welcome your suggestions and comments about improving ongoing efforts to increase the accessibility of this website.

Disclaimer|   Terms of Use|   Privacy of Communications|   National Schedule of Fees|   New York Common Fee Table|   Hawaii Schedule of Common Fees|   Licensing|   Contact Us|   About Us|   Careers|   Bayview Foundation

© 2008- Bayview Loan Servicing, LLC. NMLS #2469. NMLS Consumer Access. All rights reserved.