A steadier next step

Resources for the moments that matter.

If housing costs feel heavy or a VA-backed loan is becoming difficult, these trusted starting points can help you understand what to do next.

Start early, ask direct questions, and speak with your mortgage servicer about your options.

Know your options

Clear information. Real support.

Every situation is different. Use these official resources to find the right conversation for where you are today.

Mission Homeownership

A free guide for military families

A free, practical homeownership guide created for active-duty service members, veterans, and surviving spouses. It explains the homebuying mission in plain language, with honest education and no sales pitch or hidden agenda, so military families can make informed decisions with confidence.

Start with the guide

Free Mission Homeownership download

Free for active-duty service members, veterans, and surviving spouses.

Can’t scan? Use the direct Mission Homeownership download link

Soldier On

Support for veterans and families

Soldier On is a partner organization supporting veterans and families with housing stability. Its work includes homelessness prevention, transitional and permanent housing, homeownership counseling, foreclosure-prevention counseling, and related support. Soldier On also offers free credit counseling and credit repair assistance, along with access to a staff attorney who can provide free legal advice.

Housing stability support for veterans and families
Guidance for homeownership and foreclosure prevention
Free credit counseling and credit repair assistance from Soldier On
Access to a Soldier On staff attorney who can provide free legal advice

Visit Soldier On Visit the Veterans Homeownership Center

VA Partial Claim Program

A foreclosure lifeline

Eligible borrowers with VA-backed loans may be evaluated by their mortgage servicer for a Partial Claim when they are behind or at imminent risk of falling behind. It may help bring the loan current while generally deferring repayment of the partial-claim amount until payoff, refinance, or sale.

Contact your mortgage servicer. The servicer must review your circumstances and determine whether you qualify.
Eligibility varies. Act early if you are worried about missing a payment.

Read VA payment-help options Read the VA Partial Claim announcement

VA Loan Modification

A more manageable payment

A VA-backed loan modification may incorporate missed payments and eligible costs into the loan balance and adjust the loan terms to create a more manageable payment.

Exact options and eligibility depend on your circumstances and your servicer’s review.
Ask your mortgage servicer about available home-retention options as soon as possible.

Read VA loan help guidance

A note on these resources: This information is for general education only. Program availability and eligibility can change. Confirm current details with the U.S. Department of Veterans Affairs and your mortgage servicer.

If time is sensitive

Need help now?

Contact your mortgage servicer’s loss-mitigation or home-retention team immediately. They can explain the options available for your loan.

For VA-specific guidance, call VA loan technicians at 877-827-3702.

Call VA loan technicians