NOTICE: The Federal Housing Finance Agency has ordered the suspension of foreclosures and evictions for at least 60 days. Please visit this page to learn more.

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Non-Federally Backed Mortgage Programs

If you do not qualify for a forbearance because you do not have a federally backed mortgage, the below listed mortgage companies and loan servicers are offering the following relief. Contact your lender for up-to-date options since these options could change.

Lenders And Relief 

Ally Bank

  • You can defer your payment for up to 120 days with no impact to your credit (starting from the day you contact them; interest will still accrue, but they should not charge late fees on payments due during this time).
  • Evictions and foreclosures are suspended until July 30.
  • It is faster to log in to your online account if you are looking to learn about or apply for payment assistance options at https://ally.loanadministration.com/.
  • You can also call Ally Bank, but keep in mind that there may be longer than average wait times. They can be reached at 855-256-2559 Monday - Friday, 8:00 am - 10:00 pm ET and Saturday, 10:00 am - 4:00 pm ET.

Bank of America

  • Bank of America is offering forbearances to consumers affected by COVID-19 for at least 90 days.
  • To request assistance with your mortgage payments, call them at 800-669-6650, Monday through Friday from 8:00 am to 8:00 pm ET.

Bayview Loan Servicing

  • Bayview is offering a forbearance plan with several options to catch up on your mortgage after the forbearance has ended, such as a reinstatement plan, repayment plan, or modification plan.
  • In order to enroll in the program, you must call Bayview at 800-457-5105.

Carrington Mortgage Services, LLC

  • Borrowers who have been affected by COVID-19 can apply for mortgage assistance online by completing the form available at https://info.carringtonmortgage.com/covid19?_ga=2.49133166.919331244.1585237727-1829508116.1585237727.
  • You will not need to submit documentation at this time, although they may request documentation later. If you qualify for assistance, you should be notified by mail within one week. If they need additional information to process your application, they will notify you in writing and should call or email you within 14 days for that information.
  • If you would like to speak to a customer service representative, call 800-561-4567.
  • You can also access information through your online account or by the Carrington Quick Pay mobile app.

Link

Chase Bank

  • If you need help with your mortgage payments, you can sign into your account and send them a secure message, which should be answered within 24 hours. https://www.chase.com/digital/login-secure-message.
  • You can also call 800-848-9136.
  • If you are active duty military and have been activated to help respond to a disaster, you may be eligible for additional benefits. Call their military services hotline at 877-469-0110.

Citibank

  • Citibank is offering a range of hardship programs through their service provider, Cenlar FSB. You can contact Cenlar FSB at 855-839-6253 Monday - Friday 8:30 am - 8:00 pm ET and Saturday 8:30 am - 5:00 pm ET.

CMC Funding

  • You can submit a request for a forbearance by logging in to your online account and submitting an inquiry through the message center.

HSBC

  • For help with your mortgage or home equity line of credit, call 855-806-4657 to talk about assistance programs that may be available to you.
  • You can also use the online chat function or speak with your existing relationship manager.

Huntington

  • Huntington is offering up to 90 days of payment deferral on all consumer loans, including mortgages, for borrowers experiencing financial hardship due to COVID-19.
  • Interest will continue to accrue during the deferral period, but you will not have to make a single “catch-up” payment at the end of your defferal. Instead, Huntington should work with you to extend the term of your loan or provide you with a modification.
  • Huntington will also suspend all late payments through March 2020.
  • All foreclosure actions will cease through the end of March 2020 unless required by a federal or other governmental agency.
  • If you need mortgage assistance, contact 800-323-9865, Monday - Friday 8:00 am - 9:00 pm and Saturdays 8:00 am - 1:00 pm ET.

Mr. Cooper/Nationstar Mortgage

  • If you are experiencing financial difficulties due to COVID-19, you can apply for a three to six month forbearance, which will not impact your credit.
  • After the forbearance period, Mr. Cooper will work with you to determine the best way to pay your mortgage after the forbearance period—through a one-time “catch-up” payment, through a repayment plan, or through a loan modification.
  • You can contact Mr. Cooper by phone at 888-480-2432.
  • You can also visit your online account or manage your mortgage from the Mr. Cooper mobile app.

PNC Bank

  • You may be able to postpone payments for up to 90 days with no late fees during the postponement period.
  • Fees for late payments can also be avoided if you are in a payment hardship program.
  • PNC has also temporarily suspended foreclosure proceedings, foreclosure sales, and eviction activities.
  • For mortgage assistance, call PNC at 800-822-5626. Hours are: Monday - Thursday 8:00 am - 9:00 pm ET; Friday 8:00 am - 5:00 pm ET; and Saturday 9:00 am - 2:00 pm ET.

Regions Mortgage

Rocket Mortgage by Quicken Loans

Specialized Loan Servicing (SLS)

  • If you are affected by COVID-19, call SLS for loan assistance programs at 800-306-6062 or submit a question to an agent through the Message Center by logging into your online account.

Truist (Formerly SunTrust and BB&T)
Former SunTrust clients

  • Programs are available for mortgage relief, including a minimum of a 90 day-forbearance. Contact them at 800-443-1032 to apply for payment relief. Hours: 8:00 am - 10:00 pm Monday - Thursday, 8:00 am - 8:00 pm Friday, 9:00 am - 3:00 pm Saturday ET.
  • You can also reach out to them by the mobile app or at suntrust.com.
  • No charges should be assessed during the forbearance period. If you cannot make a one-time “catch-up” payment at the end of the forbearance period, then you should be evaluated for a loan modification.
  • Accounts in forbearance are not reported to the credit bureaus as delinquencies.

Former BB&T clients

  • Programs are available for mortgage relief, including a minimum of a 90 day-forbearance. Contact them at 800-827-3722, option 9, to apply for payment relief.
  • No charges should be assessed during the forbearance period. If you cannot make a one-time “catch-up” payment at the end of the forbearance period, then you should be evaluated for a loan modification.
  • Accounts in forbearance are not reported to the credit bureaus as delinquencies.

US Bank

  • If you are having problems making your monthly mortgage payment, you can request a forbearance of up to 90 days with no late fees.
  • Call 800-365-7900, Monday - Friday from 7:00 am - 9:00 pm CT and Saturday from 9:00 am - 2:00 pm CT.

Wells Fargo

  • Wells Fargo has suspended foreclosure sales and evictions.
  • Well Fargo are also offering fee waivers, payment deferral and other expanded assistance for mortgage borrowers who contact the company.

Tips for Talking to Your Servicer

  1. Document any conversations that you have with your loan servicer regarding these issues. Write down the date of your conversation, the name of the person that you spoke with, and what they told you to do regarding your loan, particularly regarding the submission of any documents or payment instructions. Save copies of any documents that you receive from or send to your mortgage servicer.
  2. If you are having problems reaching a live person, make sure that you are using all available online account resources, web chats, and mobile apps, as these companies are experiencing higher-than-usual call volumes. In addition, instructions on how to reach a live person at many banks and other financial institutions can be found at: https://www.dialahuman.com/finance-banks.
  3. You can also contact a HUD-approved housing counselor to help you explore options to obtain a loan modification to stay in your home. Housing counselors can: discuss your mortgage situation and determine if you qualify for any programs or additional help; help you understand what loss mitigation options your servicer offers and which might be best for you; guide you through the process of working with your servicer and help you with any paperwork you may need; and help you at little or no cost with other financial problems that may be making it difficult to pay your mortgage. You can find a HUD-approved housing counselor at https://www.consumerfinance.gov/find-a-housing-counselor/ or by calling the HOPE hotline at (888) 995-HOPE (4673).
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