Contact your mortgage servicer
Explain the situation using the phone number on your existing statement. Ask what assistance may be available, what documentation is needed and how any arrangement affects repayment and credit reporting.
Speak with VA loan assistance
VA can provide guidance to veterans and surviving spouses facing mortgage difficulty, including when a loan is not VA-guaranteed. Call 877-827-3702 or use the official VA resource below.
Verify offers of help
Be cautious of anyone asking you to stop paying your servicer, transfer title or redirect payments. Confirm any instructions independently through a known contact. Do not sign documents you have not understood.
Keep a record
Save notices and written agreements. Record the date, name and next step from each conversation. Available options depend on your loan and circumstances; a website cannot guarantee a modification or stop a foreclosure.
Read the official guidance
VA • Help with mortgage payments ↗CFPB • VA loan scam prevention ↗Sources reviewed October 25, 2026. Requirements can change. Ask Sasha to help apply the information to your situation.