BMO Harris Bank Coronavirus Mortgage Forbearance Information

Servicer Contact Options

Phone: 800-888-8586
COVID-19 Relief FAQ:


Due to the heavy call volume, filling out the form is the fastest way for us to get back to you. We are working through requests as quickly as we can but it may take up to 10 business days to call you to discuss how we can help you.

From Servicer Website

What COVID Financial Relief Programs are available?

  • If you have a mortgage or home equity loan with BMO Harris, you may be able to defer your regularly scheduled payments for up to three months if you have been impacted by COVID-19, subject to qualification.
  • Payment deferral does not mean loan forgiveness.
  • Deferral means your regularly scheduled payments are suspended during the defined period of time that you require temporary financial relief, up to a maximum of 3 months, for payment at a later date.
  • If you have a mortgage and escrow your taxes and insurance, we will spread the shortfall out over 24 months as needed.
  • If you do not qualify for a payment deferral on your BMO Harris mortgage or home equity loan because you are more than 60 days past due, you will be evaluated for a forbearance.
  • If you have a Federally-backed mortgage, please see Question #3 below for relief options that may be available to you.
  • Other relief options may also be available to eligible borrowers.

What if I have a Federally-backed mortgage serviced by BMO Harris?

  • If you have a Federally-backed mortgage serviced by BMO Harris, you are entitled to 180 days of forbearance of your regularly scheduled payments if you have suffered financial hardship as a result of COVID-19. The initial 180 day forbearance period can be extended for another 180 days upon request.
  • Forbearance does not mean loan forgiveness.
  • Forbearance means an agreement to allow you to make reduced or no payments during the forbearance period. You are never required to pay back your forbearance in a lump sum at the end of the forbearance period. Your loan servicer will reach out to you before your forbearance plan is scheduled to end to determine which assistance option is best for you to repay the money you owe, for example: a repayment plan that allows you to catch up gradually while you are paying your regular monthly payment, or a modification of your loan terms if you have a sustained reduction in income resulting from the crisis. Of course, you are always free to pay the full amount.
  • There is no need for you to check whether you have a Federally-backed mortgage loan. After you request relief, we will check whether you qualify for forbearance relief.

If you’re impacted

We may be able to help you through your financial hardship and have a variety of flexible financial relief programs and fee waivers in place for our personal and small business banking customers.

We offer payment relief options on mortgages, home equity, loans and credit cards, (if your payment will be deferred, interest will continue to accrue) and fee waivers on deposit accounts.

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 Comment

  1. Der Vang on September 7, 2022 at 5:25 pm

    Where can I fill out a forbearance Payment Relief Form?

Leave a Comment