What is the VA Partial Claim Program?

The VA’s Partial Claim Program helps veteran homeowners avoid foreclosure by covering missed mortgage payments during financial hardship.
The VA pays the overdue amount to the lender, brings the loan current, and places an interest-free lien that the borrower repays later (usually when they sell or refinance).
This keeps monthly payments affordable and protects long-term homeownership — especially valuable in rural Alaska.

How to Apply

Veterans cannot apply directly through the VA — they must start with their loan servicer (the company they make mortgage payments to).

Steps:

1. Contact your mortgage servicer
   Tell them you want to be evaluated for the VA Partial Claim Program.

2. Complete the servicer’s loss-mitigation application
   This usually includes income info, hardship explanation, and recent bank statements.

3. Servicer sends the request to the VA
   The servicer determines if you qualify and works directly with the VA on approval.

4. VA pays the past-due amount
   The loan is brought current, and the veteran signs the partial-claim agreement.

5. Stay in your home with affordable payments
   No increase to monthly payments. The lien is paid back later when the home is sold or refinanced.