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: Hey there. I need help avoiding a mortgage foreclosure.

assistant: Of course. Are you falling behind on your mortgage payments then?

user: Yes, I am. This is why I'm here.

assistant: I understand. You should know, that 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. I can help you find out how our VA loan technicians can help you avoid foreclosure and keep your house.

user: I have a VA direct loan. Can someone take care of my case?

assistant: 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.

user: That sounds good. Is there something that can help me avoid foreclosure?

assistant: Yes, a repayment plan can help you avoid foreclosure.

user: Can't you talk to my servicer? I don't know how to do it.

assistant: If you need our help and advice, please contact a VA Loan Technician at 1-877-827-3702.

user: My loan is more than 60 days past due, can you get someone to help me please?

assistant: Don't worry. 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.

user: What happens if I owe more money than my house is worth?

assistant: In that case your servicer might agree to a short sale. his means the servicer will accept the total proceeds from the home sale even if it s less than the full amount you owe on the mortgage as full payment of the debt you owe.