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Home > Personal Banking > Loans > Mortgage Loan Hardship Options
  • Financial Hardship - Foreclosure Alternatives

    Are you experiencing difficulty making payments? We have a variety of programs to help you resolve your delinquency and keep your home.

    Act Now!

    Click here to download the Financial Hardship Application

    or call us at 573.874.8100 or 800.842.BCNB.


    Receive a new loan with lower interest rate or other favorable terms.


    Pay the total amount you owe, in a lump sum payment and by a specific date. This may follow a forbearance plan.

    Repayment Plan

    Pay back your past-due payments together with your regular payments over an extended period of time.

    Forbearance Plan

    Make reduced mortgage payments or no mortgage payments for a specific period of time.


    Receive modified terms of your mortgage to make it more affordable or manageable after successfully making the reduced payment during a "trial period" (i.e. completing a three [or four] month trial period plan.

    Short Sale

    Sell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth.

    Deed-in-Lieu of Foreclosure

    Transfer the ownership of your property to us.

    Equal Housing LenderAn Equal Housing Lending. Member FDIC.