Under a federal law called the Servicemembers Civil Relief Act (SCRA), military members may be entitled to a range of benefits. These are unrelated to Veterans Affairs (VA) benefits.

If the loan was originated prior to military service, military members may be entitled to these benefits during active service and 12 months following it:

• Foreclosure protection
• Lowered interest rate to 6% maximum, if the interest rate on the loan is more than 6%
  
• No new late fees
• No new legal fees

You may be eligible for SCRA benefits if you are:

• A regular member of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corps, or Coast Guard).
  
  
• Reserve or National Guard personnel who has been activated and is on federal active duty. (National Guard members and members of state military units who are called to state active duty are not covered by SCRA. However, many states have enacted laws that extend SCRA protections to such servicemembers who are called to state active duty.)
  
  
• National Guard personnel under a call or order to active duty for more than 30 consecutive days under section 502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the President and supported by federal funds.
  
  
• An active service member of the commissioned corps of the Public Health Service or the National Oceanic and Atmospheric Administration.
  
  
• A U.S. citizen serving with the armed forces of a nation with which the United States is allied in the prosecution of a war or military action.

If you are interested in receiving protection and benefits under the SCRA, please send us a copy of your Active Duty Orders.

• You can email scanned or electronic versions to: [email protected]

After we receive them, we’ll let you know if we need additional information–this may include documents about your loan, debt, and FHA case number (if applicable).

Read more about SCRA benefits and eligibility.