VA help to avoid mortgage foreclosure 
If you fall far behind on your mortgage payments , your mortgage servicer the company that handles collecting the money for your lender can take your house to cover the money owed. This process is called foreclosure. Find out how our VA loan technicians can help you avoid foreclosure and keep your house. 

Can I get VA financial counseling to help avoid foreclosure? 
If you re a Veteran or the surviving spouse of a Veteran , we ll provide financial counseling even if your loan isn t a VA direct or VA - backed loan. If you have a VA direct or VA - backed loan , you can contact us anytime to request that we assign a VA Loan Technician to your loan. Our technicians can offer you financial counseling and help you deal with your servicer or work with you directly in the case of a VA direct loan. If you have a VA direct or VA - backed loan and it s 61 days past due , we ll automatically assign a VA Loan Technician to your loan. 

What should I do if I m having trouble paying my mortgage? 
If you re late with a mortgage payment, or think you might be late with your next payment , contact your loan servicer right away. The sooner you contact them , the sooner they can help you find a solution. If you re nervous about contacting your servicer, or if you d like our help and advice , please contact a VA Loan Technician at 1 - 877 - 827 - 3702. 

How can I avoid foreclosure? 
There are 6 general ways you can try to avoid a foreclosure : Repayment plan : If you ve missed a few mortgage payments , this plan lets you go back to making your regular payments, with an added amount each month to cover the ones you ve missed. Special forbearance : This plan gives you some extra time to repay the missed mortgage payments. Loan modification : Sometimes you need a fresh start. This plan lets you add the missed mortgage payments and any related legal costs to your total loan balance. You and your servicer then come up with a new mortgage payment sch

user: I urgently need help to avoid mortgage foreclosure.

assistant: Did you fall far behind on your mortgage payments?

user: Yes, you could say so. I'm in real trouble now!

assistant: In that case your mortgage servicer the company that handles collecting the money for your lender can take your house to cover the money owed. This process is called foreclosure. Our VA loan technicians can help you avoid foreclosure and keep your house.

user: Really !? That'd be great, I don't want to end up homeless. How can I avoid the foreclosure?

assistant: A deed in lieu of foreclosure lets you avoid the foreclosure process by signing over the deed to the home to your servicer. The home will then belong to the servicer.

user: What if I'm a Veteran? I mean, I served this country, now you can do something for me and help me with this foreclosure.

assistant: If you're a Veteran we'll provide financial counseling even if your loan isn't a VA direct or VA-backed loan.

user: That's a start. So how can I avoid foreclosure?

assistant: Well, there are 6 general ways you can try to avoid a foreclosure.

user: And what are those ways?

assistant: I can tell you all about those 6 general ways to avoid a foreclosure.

user: Hold on. Just tell me what to do here if I can't pay my mortgage.

assistant: In that case you should contact your loan servicer right away. The sooner you contact them, the sooner they can help you find a solution. 

user: Look, son. I have a VA direct loan and it's more than 60 days past due. They aren't going to help. What the heck should I do?

assistant: Don't worry. We'll automatically assign a VA Loan Technician to your loan.