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Hardship Information

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Overview Hardship FAQs Hardship Process Common Options for Avoiding Foreclosure
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-9pm (ET)
Saturday: Closed
Sunday: Closed

Common Reasons for Financial Hardship
  • Unemployment
  • Divorce
  • Death of a family member
  • Disability or Illness
Please contact us toll free:
Loan Counseling Department

Hardest Hit Fund (HHF) Participating HHF States Open in new tab

Housing Counselor Information

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

Resources for South Florida Homeowners
Neighborhood Housing Services South Florida Open in new tab

Calling Is Your Most Important Step
Whether you've already missed a payment or are anticipating difficulty in the near future, speaking with a Loan Counselor today is the most important step in protecting your investment. Your Loan Counselor is empowered to quickly implement solutions to help you avoid default and preserve your credit standing.

You Have Options
Realistic and flexible options are available to Bayview Loan Servicing® customers who are having hardship challenges. Once we've learned your situation, we will work with you to help you keep your property and your mortgage in good standing.

Hardship Process
  1. Speak with a Loan Counselor to discuss your situation and learn about your options. Have your loan number available when you call.

  2. Depending on your situation, you may need to complete a Hardship Application.

  3. Once you have completed the application, please use one of the five simple ways to return documents to Bayview.
Most loan work-out solutions can be implemented very quickly, so you can get on-track to protect your property and credit ratings.

Documentation Required for Workout Assistance
The following documents are typically required from customers requesting assistance with a loan workout due to financial hardship. The documentation can vary by state and situation, so be certain to contact your Asset Manager for a complete list.

Residential Properties

  • The Hardship Application, which includes information about any financial hardship and a hardship affidavit.
  • Income documentation including the most recent pay stubs, bank statements, tax returns, and
    W-2s from all borrowers and co-borrowers on the loan.
  • Signed and dated IRS form 4506T or 4506T-EZ
  • Most recent quarterly or year-to-date Profit and Loss Statement (for each self-employed borrower).
  • Declaration page or a copy of current hazard insurance policy.

Commercial Properties

  • The Hardship Application, which includes information about any financial hardship and a hardship affidavit.
  • Personal and corporate tax returns for all borrowers and guarantors for the past 2 years, including all schedules.
  • Three recent bank statements (personal and business – all accounts)
  • Income and Expense Statement (Profit & Loss) for the past two years and interim financials for the current year.
  • Rent rolls for the past 12 months
  • Commercial Annual Financials
  • Declaration page or a copy of current hazard insurance policy
If you have other types of income, cannot locate the required documents, or have questions about the paperwork required, please contact us at 1.877.205.9958.

Hardship FAQs
If I have financial problems, can Bayview Loan Servicing help?
If I find that I will not be able to make my payment on time, should I tell you?
Will calling you hurt my credit or start the foreclosure process?
When should I complete a Hardship Form?

Click here to complete your Hardship Application

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.

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