A place to call home

A place to call home

Subject:  VA Can Help Veteran Struggling Homeowners

Colleagues and Fellow Veterans,

Thought you’d like to know . help for struggling homeowners is often closer

and more attainable than they think.

Some Veterans experiencing financial hardship may be unaware of the programs

and services available to help them avoid foreclosure, even for home loans

not guaranteed by VA. It’s easy to become discouraged after falling behind

and receiving daily collections phone calls. Remember that a mortgage

servicer’s goal is not to take anyone’s home from them. Servicer’s would much

rather see hardships resolved and borrowers resume making payments or

otherwise avoid foreclosure. There are many VA resources to help Veterans do

those things.

Did you know that the inability to afford your mortgage does not mean that

foreclosure is inevitable?   Modifying your loan to a more affordable

interest rate, being placed on a forbearance plan to obtain additional time

if your financial situation is expected to improve down the road, or even

deeding the property back to the mortgage servicer are all potential options

to avoid foreclosure.

Are you concerned that your property value is so upside-down that you will

never get out from under it? A Compromise Sale, or short sale, may be a

great option, potentially allowing you to sell the home for less than you

owe.

To see the stories of some of the more than 450,000 Veterans whom we have

been able to help, watch the “VA Alternatives to Foreclosure” on website at

http://www.benefits.va.gov/HOMELOANS/resources_video.asp

<http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbWFpbGluZ2lkP

TIwMTUwODEyLjQ4MDQ2OTkxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE1MDgxMi40ODA0Njk5M

SZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDMwMjAxJmVtYWlsaWQ9enp2ZXRzLWR2ZXRzLWFsb

EBkb2wuZ292JnVzZXJpZD16enZldHMtZHZldHMtYWxsQGRvbC5nb3YmZmw9JmV4dHJhPU11bHRpd

mFyaWF0ZUlkPSYmJg==&&&100&&&http://www.benefits.va.gov/HOMELOANS/resources_v

ideo.asp> .

These are only a few of the many options available. If you are more than two

payments past due and have a VA home loan, a VA Loan Technician has already

been assigned to assist you. If not, or if you do not have a VA loan,

knowledgeable VA staff can offer financial counseling to determine how VA

can help and what loss mitigation options might work best. If you have a VA

loan, VA staff can even speak directly with your mortgage servicer on your

behalf.

Please call (877) 827-3702 to reach your nearest VA Regional Loan Center, or

you may visit our web site at http://www.benefits.va.gov/homeloans/

<http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbWFpbGluZ2lkP

TIwMTUwODEyLjQ4MDQ2OTkxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE1MDgxMi40ODA0Njk5M

SZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDMwMjAxJmVtYWlsaWQ9enp2ZXRzLWR2ZXRzLWFsb

EBkb2wuZ292JnVzZXJpZD16enZldHMtZHZldHMtYWxsQGRvbC5nb3YmZmw9JmV4dHJhPU11bHRpd

mFyaWF0ZUlkPSYmJg==&&&101&&&http://www.benefits.va.gov/homeloans/>  to

obtain information about the VA Home Loan program.

Additionally, Veterans who feel they may be facing homelessness as a result

of losing their home can go to

http://www.va.gov/HOMELESS/NationalCallCenter.asp

<http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbWFpbGluZ2lkP

TIwMTUwODEyLjQ4MDQ2OTkxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE1MDgxMi40ODA0Njk5M

SZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDMwMjAxJmVtYWlsaWQ9enp2ZXRzLWR2ZXRzLWFsb

EBkb2wuZ292JnVzZXJpZD16enZldHMtZHZldHMtYWxsQGRvbC5nb3YmZmw9JmV4dHJhPU11bHRpd

mFyaWF0ZUlkPSYmJg==&&&102&&&http://www.va.gov/HOMELESS/NationalCallCenter.as

p> , or call (877) 424-3838 to receive immediate assistance from VA.

In addition to the resources offered by VA, the Department of Housing and

Urban Development (HUD) offers assistance to homeowners by sponsoring local

housing counseling agencies. To find an approved agency in your area, please

search online at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

<http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbWFpbGluZ2lkP

TIwMTUwODEyLjQ4MDQ2OTkxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE1MDgxMi40ODA0Njk5M

SZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDMwMjAxJmVtYWlsaWQ9enp2ZXRzLWR2ZXRzLWFsb

EBkb2wuZ292JnVzZXJpZD16enZldHMtZHZldHMtYWxsQGRvbC5nb3YmZmw9JmV4dHJhPU11bHRpd

mFyaWF0ZUlkPSYmJg==&&&103&&&http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm>

or call HUD’s interactive voice system at (800) 569-4287.

V/R

Curtis L. Coy

Deputy Under Secretary for Economic Opportunity

Veterans Benefits Administration

U.S. Department of Veterans Affairs

VA Core Values:  Integrity, Commitment, Advocacy, Respect, Excellence (“I

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