Homeownership

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Veteran's Guide to Home Loans

The Department of Veterans Affairs helps qualifying veterans (and others) with buying a first home. This help comes through the VA's Loan Guaranty Home Loan Program. This guide will explain:

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Foreclosure Overview

You may qualify for free legal help with foreclosure.

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Loss-Mitigation FAQs for Veterans and Servicemembers

Loss-mitigation refers to the methods that are used by lenders to avoid having to foreclose on your home. The VA encourages its lenders to use several different loss-mitigation techniques by paying a lender for each method tried. The main goal of all of these techniques is to keep you in your home for as long as possible.
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VA Home Loans: Getting Help if You Can't Pay

Loss-mitigation refers to several different methods that are used by lenders to help you avoid losing your home prior to and during the foreclosure process. The VA provides strong incentives for lenders under the Loan Guarantee Program to work with you to avoid foreclosure. In addition, the VA has specialized loan representatives who can help you work with your lender to resolve problems.

Homeowners Assistance Program

The Homeowners Assistance Program (HAP) provides assistance with foreclosure situations. For eligible applicants, the Government may:

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Foreclosure - Help for Servicemembers under SCRA

The Act limits the interest that may be charged on mortgages incurred by a servicemember (including debts incurred jointly with a spouse) before he or she entered into active military service.