Keep Your Home
Veterans experiencing mortgage difficulty may have VA servicing and home-retention options worth investigating.
Contact Your Servicer Immediately
Do NOT wait for foreclosure notices. Contact your mortgage servicer as soon as you experience difficulty.
VA Partial Claim
Launched June 15, 2026. Cures eligible delinquency without immediate refinance.
Three-month trial payment plan required. Subordinate claim to be repaid later.
Servicer must identify eligible borrower. Operational availability varies by servicer during 2026.
VA Loss Mitigation Waterfall
VA offers a series of loss-mitigation options, generally evaluated in this order:
- Repayment plan
- Forbearance
- Loan modification
- Short sale
- Deed-in-lieu
SCRA Protections for Active Duty
Active-duty service members may have SCRA protections including a 6% cap on qualifying pre-service mortgages.
SCRA InformationThese options are educational. Contact your mortgage servicer and VA Loan Guaranty at 877-827-3702 for assistance specific to your situation.