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Loan Management Benefits

Program Description

For Veterans or Servicemembers who have a VA-guaranteed conventional or sub-prime loan, the Department of Veterans Affairs (VA) has a network of eight Regional Loan Centers that can offer advice and guidance during times of financial hardship.

Borrowers may visit the Home Loans Information page, or call toll free -1-877-827-3702 to speak with a VA Loan Technician. However, unlike when a Veteran has a VA-guaranteed home loan, VA does not have the authority to intervene on the borrower's behalf for conventional loans. It is imperative that a borrower contact his/her mortgage servicer as quickly as possible when faced with financial hardship.

General Program Requirements

Persons who may qualify for VA-guaranteed loans include:

  • Eligible Veterans / Servicemembers
  • Current Reserve and National Guard members (usually after 6 years of service)
  • Certain surviving spouses
Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and Veterans, once discharged.

Length-of-service requirements apply, in most cases.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

For more information, see the Program Contact Information below.

Program Contact Information

If you have questions:
  • Visit the Inquiry Routing and Information System (IRIS) website to search Frequently Asked Questions or ask a question on-line.
  • Please contact a Regional Loan Center if you have detailed questions.

  • To apply for additional Veterans' benefits and view your benefit status, open an eBenefits Premium account. eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans and Servicemembers can conduct self-service transactions such as checking claim status information, GI Bill enrollment, and obtaining copies of civil service preference letters, DD214, and other personal information. For further information and to register for a free Premium level account, visit the eBenefits website.