Toll-free · 24 hours, 7 days · Calling this Bank of America Home Loan Servicing number should go right to a real human being · Wait on the line for a representative.
Toll-free · Mon-Fri 8am-9pm EST · Interrupt the computer 3 times by pressing 0 (Not in rapid succession) · To get started, please say or enter your account number.
How do I get through the phone menu to a live person?
GetHuman researchers routinely call this Bank of America Home Loan Servicing phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Do not press anything, just wait on hold for a representative.
Here is how our research team describes the way the Bank of America Home Loan Servicing phone system greets you: Service Relief Act, press 1, or remain on the line for a representative.
What are the hours and when should I call?
Bank of America Home Loan Servicing operates the call center for this 866-265-3509 phone number 24 hours, 7 days.The short answer is that you should call on a Friday.This observation and the following section are based on analysis of a sample set of 1,242 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America Home Loan Servicing phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America Home Loan Servicing staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Bank of America Home Loan Servicing is Friday.The most busy day to call is Tuesday.Again, this is based on a sample of 1,242 calls made with our AI-powered, web-based phone in the last 90 days.
The shortest wait on hold
We measured the shortest hold times to be on Friday.The longest wait in the queue on average occurs on Monday.
The best time to call Bank of America Home Loan Servicing
In summation, the best day to call Bank of America Home Loan Servicing is Friday.In this case, it's a no-brainer. Friday is not only the least busy day for calling this Bank of America Home Loan Servicing number, but it is also the day with the shortest hold times.
Why Customers Call Bank of America Home Loan Servicing
If you have time to do a bit of reading before you call Bank of America Home Loan Servicing, we recommend you read over some of our problem-specific articles.
Bank of America offers a wide range of home loan options to suit various needs. These include traditional fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Fixed-rate mortgages provide stability with consistent monthly payments over the life of the loan. ARMs offer an initial fixed-rate period, followed by potential rate adjustments depending on market conditions. FHA loans are backed by the Federal Housing Administration and are suitable for borrowers with lower credit scores or limited down payment capabilities. VA loans are exclusively available to eligible military service members, veterans, and their families. Jumbo loans are designed for financing higher-priced properties exceeding traditional loan limits. Whether you're a first-time homebuyer or looking to refinance, Bank of America has a range of mortgage options to meet your unique requirements.
Yes, you can refinance your home loan with Bank of America. Refinancing allows you to replace your existing mortgage with a new one that may have better terms, such as a lower interest rate or different loan duration. This can help you save money on monthly payments or pay off your loan faster. Bank of America offers a variety of refinancing options, including conventional, FHA, VA, and jumbo loans. You can explore these options and determine if refinancing is right for you by speaking with a loan officer at Bank of America or using their online tools and resources. They also provide guidance on the refinancing process, eligibility requirements, and any associated fees.
The minimum credit score required for a Bank of America home loan varies depending on the type of loan and individual circumstances. Bank of America evaluates each applicant on a case-by-case basis to determine eligibility. Generally, a higher credit score improves the chances of approval and may qualify for more favorable loan terms. However, exact requirements can change over time, and other factors such as income, debt-to-income ratio, and down payment amount also influence loan approval. To receive personalized information regarding credit score requirements, it is recommended to contact Bank of America's Home Loan Servicing directly or visit their website for the most up-to-date information.
Click the link above to get answers to just about any Bank of America Home Loan Servicing customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
More Bank of America Home Loan Servicing Customer Service Contacts
There are of course other ways to contact Bank of America Home Loan Servicing customer service besides the phone. Below we list the best ones, by medium.
Bank of America Home Loan Servicing Customer Help Desk / Web Support
As a last, sometimes only, resort- Bank of America Home Loan Servicing customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Bank of America Home Loan Servicing's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Bank of America Home Loan Servicing agent. This phone number is Bank of America Home Loan Servicing's best phone number because 7,452 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 866-265-3509 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Bank of America Home Loan Servicing first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Bank of America Home Loan Servicing has 3 phone numbers. It's not always clear what is the best way to talk to Bank of America Home Loan Servicing representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Bank of America Home Loan Servicing. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Bank of America Home Loan Servicing. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.