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 need help with a mortgage foreclosure and whatever is going on

assistant: Did you fall behind on your mortgage payments?

user: yes

assistant: Okay. 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 . 

user: I did miss some payments so now what?

assistant: We have a repayment plan that lets you go back to making your regular payments with an added amount each month to cover the ones you have missed .

user: what if there are more late payments from me?

assistant: You should contact your loan servicer right away .  Don't wait so they can help you find a solution soon.

user: and is there a way to avoid foreclosure?, because I was told I could sign my house over or at least that is what I understood

assistant: You might be talking about Deed in lieu of foreclosure, this plan 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: can I call when I have more time so you can help me find a way out of this?

assistant: Yes, Contact a VA Loan Technician at 1 - 877 - 827 - 3702 . Our VA Loan Technicians can help you figure out which option is best for you. Good Luck