Stop Bank of America Foreclosure – Expert Loan Modification Help
Don’t Let Bank of America Take Your Home!
Are you receiving “Notice of Intent to Accelerate” letters or facing a sheriff’s sale date? The “Home Loan Assistance” department at Bank of America is massive, bureaucratic, and difficult to navigate alone. We bridge the gap to get you the help you deserve.
Why Bank of America Foreclosures Are Different
Bank of America is one of the largest servicers in the country, often managing loans that originated from other failed lenders. You may not have even started with them.
- We Know the “Legacy” Loans: Many distressed BofA loans originated as Countrywide Home Loans, Merrill Lynch, or other lenders. We understand the specific investor guidelines attached to these older contracts that BofA representatives often overlook.
- We Fight the “Lost Document Churn”: A common complaint with Bank of America is the “lost document” cycle—where you fax 50 pages today, and they claim they never received them next week. We manage this submission process with digital tracking to hold them accountable.
- While others make empty promises, UCMA delivers results. We have saved thousands homes from foreclosure since 1997.
Call 1-800-474-1407 for a Free Consultation Or Click Here to Apply Online
Bank of America Loss Mitigation Contact Information
If you are trying to reach them yourself, use these verified direct lines. Be prepared for long hold times and have your loan number ready.
- Home Loan Assistance / Loss Mitigation: 800-669-6650
- Customer Service: 800-432-1000
- Legacy Countrywide/Settlement Dept:(Often routed through main loss mit)
- Loss Mitigation Fax: 1-800-658-0395 (Always keep your transmission receipt!)
Government Agencies & Additional Resources
While UCMA provides professional representation, it is important to know your rights and the government resources available to homeowners.
- CFPB (Consumer Financial Protection Bureau):Regulates the mortgage industry and protects consumers from unfair practices. Visit CFPB
- HUD (Dept. of Housing and Urban Development):Provides government-approved housing counselors. Visit HUD
- HAF (Homeowner Assistance Fund):State-specific funds available to help homeowners impacted by financial hardships (availability varies by state).
- VA (Department of Veterans Affairs): Specific assistance for veterans facing foreclosure. Visit VA Housing Assistance
Unsure of your next move?
- It costs nothing to find out if we can help. Contact us today at 1-800-474-1407 — receive your free assessment and get the clear answers you deserve!
How We Solve Your Bank of America Mortgage Problems
Free Eligibility Analysis: We review your specific loan type (FHA, VA, Fannie Ma:e, Freddie Mac, or Private Portfolio) to determine exactly which Bank of America modification programs you qualify for. We calculate your “front-end” and “back-end” debt-to-income ratios before we ever contact the bank.
Strategic Application Packaging: Bank of America utilizes a specific Mortgage Assistance Application (MAA). One mistake on your hardship affidavit or monthly budget can trigger an automatic denial. We prepare a professional package that is compliant with their underwriting standards.
Aggressive Negotiation: We don’t just submit paper; we advocate. We work directly with Bank of America’s negotiators to secure a modification that brings your loan current, capitalizes arrears, and targets a lower interest rate or extended terms to create a sustainable monthly payment.
UCMA handles the entire application process for you, from beginning to end, ensuring every detail is accurate to maximize your chances of stopping foreclosure and keeping your family in your home.
Frequently Asked Questions (FAQ) for BofA Borrowers
Q: Can I stop a foreclosure auction if I have already received a sale date from Bank of America? A: Yes. Under federal CFPB rules (Regulation X), if a complete loss mitigation application is received more than 37 days before a scheduled sale, Bank of America must stop the sale to review your file. Even inside that window, we have emergency strategies to request postponements.
Q: Bank of America offered me a “Trial Payment Plan.” Should I take it? A: A Trial Payment Plan (TPP) is usually good news, but it is a trap for the unprepared. You must make three provisional payments on time. However, many homeowners finish the trial only to be told “we need more documents” or “the modification was denied.” We ensure your final modification agreement is ready to sign before you exit the trial period.
Q: Why does my Relationship Manager change every time I call? A: Bank of America uses a “pool” of representatives. While they are supposed to assign you a Single Point of Contact (SPOC), high turnover means you often start over with a stranger. We act as your permanent point of contact, ensuring your history isn’t lost when their staff changes.
Real Client Success Story
“I originated my loan with Countrywide in 2006, and when Bank of America took over, it was a nightmare. They lost my paperwork three times. This team stepped in, got the sale postponed, and negotiated a fixed rate that saved me $400 a month.” — R.G., California
Ready to Keep Your Home?
Don’t face the massive Bank of America legal team alone.
Call Us Now: 1-800-47-1407 or Click on Contact UCMA and we will call you!
- Disclaimer: United Capital Mortgage Assistance (UCMA) is a private company and is NOT associated with the government, any government agency or any mortgage lender/servicer. UCMA is not a law firm and does not provide legal advice. All claims of success are based on past results and are not a guarantee of future outcomes.