Borrowers
Quickly set up online and automatic payments.
View Your Loan Information
New Borrower Document Library
When you click the link you will be prompted to create a secure account in order to sign and record your information.
ACH Authorization
Authorization to Release
W-9
Foreclosure Prevention
If you are experiencing difficulties making your monthly payment or if you believe you may have difficulty meeting your financial obligations in the near future, please contact your Loan Servicing Account Specialist. If you do not know who your Specialist is, call our Customer Service at (888) 217-7652 Monday-Friday from 8 a.m. to 5 p.m. EST and you will be connected to your Loan Servicing Account Specialist who will discuss the options available to you.
Solutions may include:
Non Retention Solutions:
- Short Sales or Pre-Foreclosure Sale
- Deed-in-Lieu of Foreclosure
Home Retention Solutions:
- Repayment Plans
- Modifications
- Settlements/Discounted Payoffs
Homeowner Retention Package
The Homeowner Retention Package is necessary for BIFI Loan Servicing to fully evaluate your situation, therefore it is important that we receive at a minimum the following information:
✔ Completion of Financial Analysis Form
✔ Executed Hardship Letter
✔ Copy of 2 most recent bank statements
✔ Copy of 2 most recent pay-stubs
✔ 12 months Profit and Loss statements, if self-employed
✔ Previous Year’s Tax Return or last 2 years’ W-2 forms
✔ Completed and signed IRS Form 4506T
✔ Award letter stating your Social Security, disability, or pension earnings
✔ Copy of a recent utility bill (i.e. electric, gas, water etc.)
Additionally, the United States Department of Housing and Urban Development (HUD) sponsors free housing counseling services. Click the following link to find a HUD-Approved housing counselor in your area or call (800) 569-4287
Homeowner Retention Application
Beware of Scams!
🚫 Unfortunately, homeowners looking for mortgage help can be victimized by scam artists. Foreclosure rescue and mortgage modification scams are a growing problem that could cost you thousands of dollars.
🚫 Beware of anyone who asks you to pay a fee in exchange for counseling services or the modification of a delinquent loan.
🚫 Beware of people who pressure you to sign papers immediately or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
🚫 Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
🚫 Never make a mortgage payment to anyone other than your mortgage company without their approval.
If you believe you have been the victim of a scam, you should file a complaint with the Federal Trade Commission (FTC). Visit the FTC’s online Complaint Assistant or call 877-FTC-HELP (877-382-4357) for assistance in English or Spanish.
Borrower FAQs
How do I make a payment?
Payments can be made in several different ways:
- A check or money order made payable to BIFI Loan Servicing LLC can be mailed to: 58 US Highway 46, Suite 207, Budd Lake, NJ 07828
- Payment via phone by calling (888)217-7652.
- Online Payments can be made via our online portal by clicking this link here.
- Automatic Payments by completing and submitting the ACH Form
I am behind on my loan and want to start making payments again, what should I do?
You should contact your Loan Servicing Account Specialist to confirm the total amount past due and how to make payments by calling (888) 217-7652 or by emailing customerservice@bifils.com.
What if I can’t make a payment?
Contact your Loan Servicing Account Specialist by calling (888) 217-7652 or by emailing customerservice@bifils.com for assistance.
Do I have a grace period to make my payment?
Grace periods will vary according to the terms of your loan.
Why has my monthly payment has changed?
Monthly payments can change based on the terms of your loan which can include rate changes based on your note as well as your escrow impounds account.
I do not or have not received a statement can I still make a payment?
You can still make your payment by calling (888) 217-7652 or by going online here.
Is there someone who I can talk to about my loan?
Yes, you can speak with a Loan Servicing Account Specialist by calling (888) 217-7652 or by emailing customerservice@bifils.com.
I would like someone other than myself to speak with BIFI Loan Servicing on my behalf what can I do?
You will need to execute a Third Party Authorization form and submit this to BIFI Loan servicing to allow a third party to discuss your loan with a Loan Servicing Account Specialist.