VA help to avoid foreclosure (VA loan technicians)
If you are a Veteran or the surviving spouse of a Veteran, VA gives counseling to help you avoid foreclosure, even if your loan is not a VA-guaranteed loan. A VA loan technician can help you figure out which option is best for you.
Good to know
Select 6 when you call. If you have a VA-guaranteed loan that is 61 days past due, VA says it automatically assigns a VA loan technician to review your loan. VA also says to contact your loan servicer right away, and to contact VA or your servicer to get help avoiding scams.
Before you call
They can
- give counseling to avoid foreclosure to a Veteran or a Veteran's surviving spouse, even if the loan is not a VA-guaranteed loan
- help you figure out which foreclosure-avoidance option is best for you
- help you avoid scams and third-party companies trying to take advantage of you
- take TTY calls: dial 711
They cannot
- answer outside Monday through Friday, 8:00 a.m. to 6:00 p.m. ET
In the emergency guides: I'm behind on my mortgage and could lose my home →
- Phone
- 877-827-3702
- Website
- https://www.va.gov/housing-assistance/home-loans/trouble-making-payments/
- Hours
- Monday through Friday, 8:00 a.m. to 6:00 p.m. ET (TTY: 711)
- Coverage
- Nationwide (U.S.)
- Best for
- Veterans
- Last checked
- October 10, 2026
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