Ally Bank Coronavirus Mortgage Forbearance Information

Servicer Contact Options

Home loan servicing: 1-866-401-4742

Mon-Fri, 8:30 am – 8 pm ET
Saturday, 8:30 am – 5 pm ET
Sunday, 12 pm – 4 pm ET

Online Portal:
Website: Ally Bank Corona Virus Response

From Servicer Website

Enroll in home loan online services

  • Current Ally home loan customers can defer their payment for up to 120 days with no impact to your credit (starting from the day you contact us; interest will still accrue, but we won’t charge late fees on payments due during this time)
  • Save yourself time, and log in to your account to apply for payment assistance online
  • You can also call home loan servicing about payment assistance, but keep in mind we’re experiencing longer call wait times
  • Home loan servicing support is now available every day
  • We’re still moving forward with home loan applications, and our experts are available to help with any questions

Home loans payment assistance FAQs

What happens if I can’t make a payment?

If you are facing financial hardship due to an interruption in your income, we can defer your Ally Home payments for up to 120 days. Deferral of your mortgage payments is also called a forbearance.

Bear in mind you’ll need to request a forbearance; it’s not automatic. You will still be responsible for the deferred payments at the end of the specified period and interest will accrue, but you won’t be charged any late fees and your deferred payments will not be reported as late to the credit bureaus.

Your service representative will work with you on options for repaying the deferred payments after the deferment period ends.

How do I request a payment deferral?

We’re offering a temporary payment deferral of up to 120 days for those impacted. You’ll need to request that now through July 30. For faster service, request online by logging in to your account at You can also call us at 866-401-4742 to have a service representative guide you through the process, but, keep in mind, we’re experiencing longer call wait times.

What is forbearance?

A forbearance is just another term some use to describe the deferral or temporary suspension of your monthly mortgage payment. During the forbearance period, your payments are suspended for a specified length of time.

Though you will be expected to pay the suspended payment amount and any accrued interest on that amount at the end of that time period, your service representative will walk you through your options for repaying the deferred payments after the forbearance period ends.

How long can I defer payments? What happens if my circumstances have not changed by the end of the timeframe? 

A forbearance/deferred payment will be available for up to 120 days. If your circumstances have not changed after 120 days, please contact us to discuss your options. You may be eligible for further loan workout options once your deferral period ends.

Is my loan eligible for a payment deferral?

Our mortgage relief efforts are provided for all of our mortgage customers. However, if your loan has been transferred to another lender, we’re unfortunately unable to assist. Refer to your loan origination documents if you are unsure who your loan servicer is and which protections they offer.

If I’m unable to reach a representative due to long call wait times, what can I do?

We know the wait times are long right now, so we encourage you to visit for 24/7 account information access. There you can also apply for a temporary payment deferral after logging in.

This is an unprecedented situation, and we’re doing everything in our power to help customers who have been impacted by COVID-19. We appreciate your patience.

I previously submitted an online form for assistance or spoke to an agent, and I haven’t heard anything back on my request. What should I do now?

We’ve received many requests and are working hard to complete them. Rest assured, we’re still reviewing your inquiry, and you’ll soon receive a letter with a decision and/or request for more information, depending upon which type of loan you have. Allow 7 to 10 business days for processing.

If I’m unhappy with what is offered and want to escalate a complaint, who can I speak to?

Ask to speak with a member of our Service Excellence Team (866-401-4742). Keep in mind, we are experiencing longer call wait times right now. We appreciate your patience.

If I need to stop my ACH payment, what can I do?

For faster service, stop payment by logging in to your online account at You can also contact us at 866-401-4742, but remember, we are currently experiencing longer call wait times. I

n order to stop an ACH payment, we’ll need 2 business days advance notice from the scheduled draft date. Also know, you won’t be able to suspend your automated monthly draft payment, only cancel. If you’d like to eventually resume it, you’ll need to re-enroll.

Do I need to do anything to stop my automated monthly drafts if I’m placed on a deferral plan?

If you decide to temporarily defer payments, we’ll automatically place your ACH monthly drafts on hold. You won’t need to take any further action. The draft will resume once the plan has been completed.

If my account is active on a deferral plan, will I still receive billing statements?

Yes, we are required to send customers a billing statement every 30 days. Please refer to your forbearance letter, which outlines your individual terms. You will not be required to make any payments during the plan period.

Negative credit reporting and late charges will not occur during the duration of the plan. We are also required to send certain delinquency status letters to ensure compliance guidelines.

Will I be contacted by phone during the deferment process?

Toward the end of your deferral plan, we will contact you by phone to update your status and provide you with additional information about your next options.

If I’m in foreclosure, how will this impact that process?

Evictions/foreclosure proceedings will be suspended until July 30.

If you have forbearance questions and would like to speak to a certified housing counselor, please call the Hope Hotline at


Please ask questions or report your experience with this servicer below. Your feedback will help other homeowners navigate homeownership preservation options. REMEMBER: Ask for everything in writing to protect yourself against surprises.


  1. Constance Fuller on September 28, 2020 at 3:12 pm

    I have been calling the 866-401-4742 number and I keep getting a message saying they will send something to my cell phone to help me with the forbearance on my loan, but I never get the message. I have been trying to speak to someone for the whole month of Sept. but I never get to speak to anyone. Help, I need help! How can I get to speak to someone? I am desperate!! 847-309-6878 My loan no. is 0057545444

  2. Constance Fuller on September 28, 2020 at 3:48 pm

    I just got a call from 877-716-6760 and when I answered it the call hung up. So I called it back and it gave me a message and told me to press 1 for forbearance assistance which I did and it told me to put in my loan number which I did and it said there is nothing that matches that number. I checked it again and it is the right number so I put it in again and then it said I would be getting a text to take me to someone who can help and I still haven’t received a text. What is going on? My tenant is starting to pay some of his rent again. I paid the interest & escrow the first month, then only the escrow for the next few months. Is it possible to not repay any of the principal for a while and then gradually start paying the escrow & interest until all of that is paid back plus the new charges until all is done and then not have to pay so much in principal $1,406.49 is really not necessary. How about $500 every month instead? What would it be if I got another 5 year arm? I need Help, please work with me.

  3. Constance Fuller on September 28, 2020 at 8:29 pm

    Ok this is the fourth time I have called the 866-401-4742 and I still have never received a text back like they say they will do. What am I to do?!? I can’t get anyone to help me. Where are these comments going? The time showing is 5 hours ahead of my time in IL. Please have someone call me, I am begging you!!

  4. Constance Fuller on September 29, 2020 at 4:38 pm

    Why isn’t someone calling me directly. I have now had 2 more calls from the 877 no. and it keeps telling me the same thing. I can’t get thru to any person and I have to speak with someone. 847-309-6878. It is 11:28 am here on 9-29-20. Who is reading this? Why am I not hearing from any one????

    • Forbearance Report on September 30, 2020 at 4:55 pm

      Constance, I’m so sorry to hear that you’re having such a hard time with your servicer, and thank you for reporting this. This website is not associated with Ally Bank, and to the best of my knowledge, they do not monitor the comments here.

      The only thing you can do is keep trying. Most servicers are scrambling to help everyone through this situation right now, and they are not doing a very good job of it.

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