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Housing Protection

SCRA Foreclosure Protection

Your home is protected during active duty. SCRA prevents foreclosure without court approval and caps your mortgage rate at 6%.

Your Mortgage Protections

The SCRA provides two major mortgage protections for service members:

Key Protections

  • No foreclosure without court order during service and 9 months after (50 U.S.C. § 3953)
  • 6% interest rate cap on mortgages taken out before service (50 U.S.C. § 3937)
  • Stay of proceedings—courts can pause foreclosure proceedings
  • Protection extends to spouses and dependents

Foreclosure Protection Rules

Under 50 U.S.C. § 3953, a lender cannot foreclose on your home without a court order if:

  • The mortgage was obtained before you entered active duty
  • You are currently on active duty or within 9 months of leaving
  • Your ability to meet the obligation is materially affected by military service
Critical Warning

Even if you've missed payments, your lender cannot foreclose without going to court first. If you receive a foreclosure notice, respond immediately citing SCRA protections.

The 6% Mortgage Rate Cap

If your mortgage was taken out before military service and has an interest rate above 6%, your lender must reduce it to 6% during your active duty period.

For a $300,000 mortgage at 7.5%, this means:

  • Monthly savings: ~$200-300/month
  • Annual savings: ~$2,400-3,600/year
  • Plus: Retroactive refunds if you didn't request it immediately

Get Your 6% Rate + Foreclosure Protection

We contact your mortgage servicer, request the rate reduction, and document your protection.

Get Started — $59 Filing Fee

How to Request Protection

For the 6% Rate Cap:

  • Send written notice to your mortgage servicer
  • Include a copy of your military orders
  • Request the rate be applied retroactively if applicable

If Facing Foreclosure:

  • Notify the court that you are on active duty
  • Request a stay of proceedings under SCRA
  • Contact a military legal assistance office immediately

Protection After Service Ends

The foreclosure protection extends for 9 months after leaving active duty. During this period, lenders still cannot foreclose without court approval.

The 6% rate cap ends when your active duty ends, but you keep any savings accumulated during your service.

Pro Tip

If you're struggling with payments after service, contact your servicer about loss mitigation options. Many have special programs for veterans transitioning out of the military.

Protect Your Home Today

SCRA Saver handles your mortgage rate reduction request, sends certified documentation, and creates a paper trail of your protected status.

Calculate My Savings

$59 filing fee • All 21+ protections included