Payment help for Mortgages, Home Equity Loans, and Home Equity Lines of Credit

Are you struggling to make your monthly mortgage or home equity line of credit payment?

You do not need to be past due on payments to qualify for assistance. A variety of home retention options may be available to you if you qualify:

  • A loan modification for a more affordable monthly mortgage payment
  • Alternative repayment or forbearance plans1 to help bring delinquent payments current within months rather than requiring a lump sum

Other options may be available to allow you to leave your home and avoid foreclosure, including short sales2 and deeds in lieu of foreclosure3. Your eligibility for any foreclosure avoidance option is based on a variety of factors such as income, expenses, and loan type.

Get Help

Call 1-844-777-2689
TTY 1-800-659-5495

Make a payment


Call or Contact Us and let us know that you need assistance. We’ll mail you an application package to complete and send back. Or you may download the application package here and mail it back to us to get you started. In the application package you will find a list of financial documents you should collect and submit with your application, as well as other important information

Mortgages 1-866-377-3970, select option 1
Home Equity Lines of Credit 1-866-377-3970, select option 2
TTY 1-800-243-3468

Report errors or get information

If you believe there is an error on your account, or you would like information regarding your account, you must submit your request in writing to the appropriate address shown below to ensure a timely response. Please include detail as to the alleged error and/or information desired.

Inquiries and requests for first-lien residential mortgage loans should be submitted to this address:

Bank of the West
PO BOX 3492
Omaha NE 68102-3492

Inquiries and requests for Home Equity products should be submitted to this address:

Bank of the West
PO Box 2078
Omaha NE 68102-3492

Other resources

Department of Housing and Urban Development (HUD)
Call 1-800-569-4287
TTY 1-800-877-8339

Legal information and Disclosures

1Forbearance plan: The homeowner pays delinquent payments and/or fees over a set period of time rather than in one lump sum.

2Short sale: The homeowner sells a property for less than the amount owed.

3Deed in lieu: The homeowner hands over the property title to the lender in exchange for a release from the mortgage payment obligation.