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Help Veterans Keep Their Homes Before It Is Too Late

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Sponsor: The Veterans Site

Veterans who fall behind on VA-backed mortgages may have options to avoid foreclosure, but help only works if they know it exists in time.

Help Veterans Keep Their Homes Before It Is Too Late

Veterans who fall behind on VA-backed mortgages may have options that can help them avoid foreclosure, but those options only matter if veterans know about them in time. The VA lists several foreclosure-avoidance paths, including repayment plans, special forbearance, loan modification, partial claim assistance, short sales, and deed in lieu arrangements.1

New Tools Must Reach the People Who Need Them

In June 2026, the VA launched its Partial Claim Program to help eligible veterans bring delinquent loans current after a successful three-month trial payment plan. The VA also reported that it worked with mortgage servicers to help 173,000 veterans avoid foreclosure in fiscal year 2025.2

That progress matters, but implementation still matters just as much. Urban Institute researchers warned that the success of the new law depends on clear rollout, streamlined documentation, and faster access for borrowers who are already behind.3

No Veteran Should Lose a Home Due to Confusion

Veterans’ advocates have stressed that struggling borrowers should contact servicers and benefits advocates quickly, but many families in crisis do not know where to start. DAV described the new law as a major step for veterans with VA-backed mortgages, while also pointing borrowers toward direct assistance and program updates.4

Housing advocates have also warned that gaps in foreclosure-prevention programs can leave tens of thousands of veterans and families at risk. The Center for Responsible Lending said the new partial claim law helps fill a critical assistance gap, but also called for broader hardship tools and timely access.5

The VA Must Make Outreach Stronger

The VA should not wait for veterans to find help on their own. It should require stronger notice standards, direct outreach to delinquent borrowers, plain-language explanations of options, and faster referral pathways when servicers cannot resolve a case.

Sign the petition urging the U.S. Department of Veterans Affairs to expand outreach so every eligible veteran learns about foreclosure-prevention help before losing a home.

More on this issue:

  1. U.S. Department of Veterans Affairs, Veterans Affairs (22 April 2026), "VA Help To Avoid Foreclosure."
  2. U.S. Department of Veterans Affairs, VA News (15 June 2026), "VA Launches Partial Claim Program to Help Veterans Avoid Home Foreclosure."
  3. Laurie Goodman, Todd Hill, Ted Tozer, Jung Hyun Choi, Urban Institute (27 August 2025), "A New VA Home Loan Program Reform Act Is a Step toward Helping Veterans Avoid Foreclosure, but Implementation Issues Remain."
  4. Kevin C. Miller, DAV (3 September 2025), "New Law Offers Foreclosure Help to Veterans."
  5. Truman Lewis, Consumer Affairs (31 July 2025), "New Mortgage Relief Law Will Help Thousands of Veterans Avoid Foreclosure."

The Petition

To the U.S. Department of Veterans Affairs,

I am writing to urge the Department of Veterans Affairs to expand outreach to veterans with VA-backed mortgages who are at risk of foreclosure, so every eligible borrower is clearly informed about available foreclosure-prevention options before losing a home.

Veterans have earned access to housing support through their service. When a veteran falls behind on a mortgage, the consequences can move quickly: missed payments, confusing servicer communications, legal notices, mounting fees, and the threat of losing the stability that a home provides. Many veterans and their families may not know what help exists, how to request it, or when they must act.

The VA has important foreclosure-prevention tools, including repayment plans, special forbearance, loan modifications, and the new Partial Claim Program. These options can help eligible borrowers recover from hardship and remain in their homes. But a program cannot protect a veteran who never receives clear notice, cannot reach the right point of contact, or does not understand what action must be taken before foreclosure advances.

The VA should strengthen outreach and enrollment support for at-risk borrowers. This should include direct, repeated, plain-language notices to veterans who become delinquent; clearer instructions from mortgage servicers; easier access to VA loan technicians; faster referrals when a servicer cannot resolve a case; and public education campaigns that reach veterans before crisis escalates.

This is not only a housing issue. It is a matter of dignity, compassion, and basic responsibility to those who served. A veteran facing financial hardship should not have to navigate a complex foreclosure system alone. Families should not lose homes simply because the right information came too late.

I urge the Department of Veterans Affairs to require stronger foreclosure-prevention outreach, improve coordination with mortgage servicers, and ensure every eligible veteran receives timely information about available VA assistance before a home is lost.

These actions will ensure a better future for all.

Sincerely,

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