Home loan

Behind on your VA mortgage? The VA Partial Claim

VA can help pay the missed payments so you can keep your home. You pay VA back later, not now.

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Servicer timing. VA's own page says mortgage servicers have until 28 November 2026 to put this option in place. If your servicer says it cannot offer it yet, call VA at the number below.

What it is

The VA Partial Claim Program launched on 15 June 2026. It is one more way to avoid foreclosure if you have a VA-guaranteed home loan, are having a money hardship and have missed payments. After a three-month trial period, your mortgage servicer pays the overdue amount needed to bring the loan current, and VA pays that amount back to the servicer. VA says the overdue amount becomes a partial claim that generally does not have to be paid back right away. You pay it back when you pay off the loan, refinance it or sell the home.

Who it is for

VA's pages describe it for Veterans who:

VA's servicer guidance also says you are not eligible if you received a partial claim within the past 24 months. VA counseling on foreclosure options is open to Veterans regardless of loan type and to surviving spouses. VA automatically assigns a counselor when a VA-guaranteed loan is 61 or more days past due.

VA Partial Claim windows

VA Partial Claim windows3-month trial payment planmake every payment on timepast 24 monthsnot eligible if you received a partial claim
A 3-month trial payment plan is required; a partial claim received within the past 24 months makes you ineligible.VA: Partial Claim Program ยท Page reviewed September 2026.

How to get it, step by step

  1. Call your mortgage servicer (the company you send your payment to) today. Do not wait until you are far behind. Tell them you have a VA loan, you have missed payments and you want to be reviewed for the VA Partial Claim.
  2. The servicer reviews you for VA's loss mitigation options. VA's guidance says the partial claim is offered when the servicer is directed to it through VA's review order (the "waterfall"), so you may be offered a different fix first.
  3. If you qualify, the servicer puts you on a 3-month trial payment plan. Make every payment on time.
  4. When the trial plan is done, the servicer pays the overdue amount and VA reimburses the servicer.
  5. If you cannot get a straight answer from your servicer, call VA (numbers below).

Other VA options if this one does not fit

VA lists six ways to fix a payment problem: special forbearance, a repayment plan, a VA loan modification, a 30-year modification, the VA partial claim and a 40-year modification. Other alternatives include a delayed sale, a short sale or a deed in lieu of foreclosure. Ask your servicer and VA which one fits your case.

Traps to avoid

Where to call and where to go

Phone

Official pages

Sources