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You are using an unsupported browser version. Learn more or update your browser. Contact us about. Go to selected page. Manage your account online Make secure payments quickly and easily Use Bank of America Online Banking to make your regular monthly mortgage payment, make a payment directly to your principal or make a payment to your escrow account. Move money from your other Bank of America accounts If you have deposit accounts with us, you can easily move money from them to apply to your mortgage payment.
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Ellen Chang is a freelance journalist who is based in Houston. For Bankrate, Chang focuses her articles on mortgages, homebuying and real estate. Her byline has appeared in …. Edited By Suzanne De Vita. Edited by. Suzanne De Vita. Suzanne De Vita is the mortgage editor for Bankrate, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters.
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Compare refinance rates. We add any payments you make in this suspense account until they add up to a contractual payment. Once your payments accumulate to a full contractual payment, we automatically remove the payments from the suspense account and apply the funds. There are times we may place your payment in suspense while we conduct research on your payment. Sometimes our systems identify something unusual has occurred and we need to research your payment before we apply it.
This allows us to ensure we get it right. One example of this is when a borrower pays off their loan, but the payment amount is significantly more than the loan balance. How do I contact you if I have questions? Select Mortgages, loans and lines of credit in the dropdown box then select Go. Select Send a message from the Email Us menu. By phone: Call Mon-Fri, 8 a. Where can I find definitions of mortgage payment terms?
Can I make additional payments to the principal balance of my loan? What happens if I'm unable to make my mortgage payment? When will I receive my year-end statement of interest paid on my mortgage for tax purposes? Escrow and property tax , open Expand all panels If I don't escrow my property taxes and can't pay them, what can I do? What can I expect when I exit the program?
Show all answers If I don't escrow my property taxes and can't pay them, what can I do? If I received a copy of my tax bill, supplemental bill or new tax assessment, do I pay it or does Bank of America pay it on my behalf? I'm in a coronavirus payment assistance program. Paying off your mortgage , open Expand all panels Can I pay off my mortgage early?
Show all answers Can I pay off my mortgage early? What is a mortgage payoff statement? Itemizations may include: Unpaid principal and interest balance Late fees or any other charges assessed during the life of the loan This written statement is prepared in response to a request by a client or an authorized third party.
Will I be charged a fee for a payoff statement? How can I pay off the mortgage of a deceased client? Why did Bank of America return my payoff funds? When should I expect my overage check? Home loan assistance programs , open Expand all panels What types of affordable housing assistance programs are available to me?
Is there a special home loan program available to me? Can I dispute that decision? Show all answers What types of affordable housing assistance programs are available to me? I'm a veteran. My request for home loan assistance was denied. This may include: You did not receive adequate notice from us about your foreclosure alternatives You were not given appropriate time to respond to communications from us during your loan review process Your loan was referred to foreclosure prematurely or we did not suspend foreclosure activities when we were required to do so You can also file an escalated case if either of these specific concerns apply to your loan: You have a reasonable belief that your mortgage loan is being serviced in a fraudulent manner You have retained a lawyer to help you resolve a mortgage dispute with Bank of America Please note that inquiries about a pending request for home loan assistance or general questions about the servicing of your mortgage do not meet the requirements for an escalated case.
This acknowledgement will include a toll-free number you can call for information about your case and will also include the estimated date by which your case should be resolved, along with a toll-free number for the Escalated Case Unit. Within 15 calendar days after receipt : In most cases, we will mail you a written response describing the proposed resolution of your request and any next steps to be followed by you or by us.
If your matter cannot be resolved within 15 calendar days, we will notify you of the delay and give you a new estimated resolution date. In most cases, this new estimated resolution date will be no longer than 30 calendar days from the date we received your original escalated case. Show all answers What is a mortgage lien release? How do I request a lien release from Bank of America when one is not available in county records? What information is required in order to submit a lien release request if a mortgage loan serviced by Bank of America has been paid off and there is no lien release of record in the county recorder's office?
Full Name of all borrowers on the security instrument Property address Loan amount and year of lien Documentation one of the following documents Copy of recorded security instrument Current title report DMV title report mobile homes only Please note that inaccurate or incomplete information may delay processing of your lien release request.
How long does it take for Bank of America to process a lien release request and submit the request to the county? What if I have an expedited request for a lien release? Get answers to common questions about home equity lines of credit. Expand all panels Client Assistance Program — Home Loan Payment Assistance , open Using your home equity line of credit , closed Servicing your home equity line of credit , closed Fixed-Rate Loan Option , closed Paying down or paying off your home equity line of credit , closed Requesting an off-us subordination , closed.
Show all answers How can Bank of America help with my home equity line of credit or home equity loan payment? Using your home equity line of credit , open Expand all panels What sort of information about my home equity account can I access online? Show all answers What sort of information about my home equity account can I access online? How do I make a payment to my home equity line of credit? What happens if I am unable to make my payment? What is the draw period and what happens at end of draw?
Servicing your home equity line of credit , open Expand all panels How do I reorder checks for my home equity line of credit? Show all answers How do I reorder checks for my home equity line of credit? Where can I get year-end tax information? How can I obtain a copy of my home equity statement? Fixed-Rate Loan Option , open Expand all panels What if I would like a fixed interest rate on all or part of my home equity line of credit? Show all answers What if I would like a fixed interest rate on all or part of my home equity line of credit?
Can I switch from a Fixed-Rate Loan Option to a variable rate on my home equity account to reduce my interest rate or payment? Paying down or paying off your home equity line of credit , open Expand all panels What is the difference between a paydown and a payoff?
Show all answers What is the difference between a paydown and a payoff? What happens when I pay my home equity line of credit balance down to zero? Accessed September 28, Investopedia average credit card interest rate.
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