Bank of America Home Loans

Phone Number & Getting a Rep

Bank of America Home Loans number

800-285-6000
Toll-free·Calls Home Loans·See main phone number & contact info
Q:

How do I talk to a human at this Bank of America number?

A:Press "0" at every prompt for Mortgage Department
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Fri 8am-9pm EST. The least busy day is Thursday, and the most busy day is Monday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America Home Loans?

A:The average hold time is 15 minutes. The longest hold times are on Tuesday, and the shortest are on Friday.

All Bank of America customer service contact information

This is the #5 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

704-386-5687
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

877-768-9836
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Bankruptcy

800-669-5224
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

Credit Cards

800-732-9194
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Fraud Reporting

877-366-1121
Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

800-421-2110
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

877-833-5617
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

315-724-4022
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

Customer Service

800-518-0479
Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Bank of America 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: Press "0" at every prompt for Mortgage Department
Here is how our research team describes the way the Bank of America phone system greets you: Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

What are the hours and when should I call?

Bank of America operates the call center for this 800-285-6000 phone number Mon-Fri 8am-9pm ET. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 70,005 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 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 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 is Thursday. The most busy day to call is Monday. Again, this is based on a sample of 70,005 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 Tuesday.

The best time to call

In summation, the best day to call Bank of America is Thursday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Thursday.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Dec 11, 2023

It's common to call a bank's customer service number to learn about the institution's services. With the competition among banks, a customer can get some good deals that can result in better interest rates for loans and higher interest earnings on savings accounts. I called Bank of America's 800-285-6000 customer service number to ask about their rates for auto loans.

When I dialed the number, an automated customer service system greeted me with, "This call may be recorded," and thanked me for calling. That was a little different from other customer service numbers I've called because I typically hear a welcome message first, and at some point later, the system tells me that the company may record my call. The system offered information in Spanish if I pressed "9."

The automated voice told me I needed to say or enter my account number to get started. After a brief silence, the system repeated the information about entering my account number and added that I could enter my social security number or account number. I could wait a minute or press 1 if I needed more time. When I didn't enter anything, it said I needed to enter a valid account or Social Security number to speak to a representative. It also mentioned that I could enter a telephone access ID.

I don't have a Bank of America account, so again, I didn't enter any numbers the system requested. There was more silence, and then the automated voice told me that year-end tax information or interest paid would be available in the automated phone system after January 29, 2024. It also said year-end tax statements will be mailed or accessible online after January 31, 2024. The system said to call back when I had my account or social security number. Then, the call ended with "Goodbye."

Bank of America is one of the largest banks in the U.S., so I don't expect a human to answer as soon as I call one of its customer service numbers. However, like many people, I may unknowingly contact a customer service number not dedicated to the information I need. In that situation, I expect an automated system to route my call to an associate who can help. However, the automated answering system for this number left me hanging. When I didn't enter the requested information, I could go no further and was left to listen to what the system assumed might be helpful.

Large companies typically have several customer service numbers. I'm not suggesting that each company's customer service number should address every customer issue. I don't care for lengthy menus, but automated systems like this could help a caller get the information they need by offering an option for other inquiries. In my case, asking about interest rates for auto loans could lead to my becoming a Bank of America customer. However, I couldn't get past the system prompting me to enter information that didn't apply to my reason for calling.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

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