True Home Acquisitions · For Veterans & Service Members
Behind on your VA loan? Here’s what it takes to catch up.
VA loans come with protections civilian loans don’t — but the clock still moves. See what catching up looks like today, and, if you’ve received a Notice of Default, exactly how much time you have.
- The Servicemembers Civil Relief Act (SCRA) can cap interest at 6% and delay foreclosure proceedings while you’re on active duty.
- VA loan servicers are required to explore loss-mitigation options — forbearance, repayment plans, loan modification, or a VA compromise sale — before foreclosing.
- The VA’s Loan Guaranty office can intervene directly with your servicer if you’re struggling to get a response.
Estimated amount to bring your loan current
$0
No obligation. Catching up, VA loss-mitigation programs, and selling now are all options worth comparing side by side — we’ll walk you through all of them.
Illustrative estimate only. Assumes a 5% late fee on missed payments and a flat legal/trustee fee estimate that increases the longer a Notice of Default has been active. VA loan servicing rules and SCRA protections vary by individual circumstance and active-duty status — request a payoff statement from your servicer and, if applicable, contact the VA’s Loan Guaranty office directly for guidance specific to your loan. The timeline shown is based on Oregon’s non-judicial trustee sale process, which generally requires a minimum of 120 days between a recorded Notice of Default and the earliest date of sale, with a right to cure up until 5 days before that sale — actual dates vary by servicer and county recording.
Questions about VA foreclosure assistance
VA loan servicers are required to explore loss-mitigation options — forbearance, repayment plans, loan modification, or a VA compromise sale — before foreclosing. The VA’s Loan Guaranty office can also step in directly with your servicer if you’re not getting a response.
The Servicemembers Civil Relief Act can cap your interest rate at 6% and delay foreclosure proceedings while you’re on active duty. Protections and eligibility depend on your specific service status, so it’s worth confirming your situation with your servicer or a military legal assistance office.
A VA compromise sale lets you sell your home for less than what’s owed on the loan, with the VA covering the shortfall to your lender, so long as it’s less costly than a foreclosure would be. It’s one of the loss-mitigation options VA servicers are required to consider.
It depends on your situation. VA protections can buy time and reduce costs, but they don’t erase what’s owed. If reinstating or a loan modification isn’t realistic, selling before the sale date is usually the option that preserves the most equity and control over your timeline.