Special COVID mortgage relief now offered to VA borrowers

If you currently have a VA loan and are concerned about being able to make your mortgage payments due to the impact of COVID, we’re here to help.

Given the amount of information available online, we have organized that content to provide you with the most up to date information specifically for VA borrowers.

Circular 26-20-17: New Reason for Default for those Affected by COVID-19

Background and Purpose. On March 27, 2020, the President signed into law the Coronavirus Aid, Relief, and Economic Security Act (the CARES Act), Public Law 116-136. The CARES Act protects borrowers with Federally backed mortgage loans who are experiencing financial hardship due to the COVID-19 national emergency. The related protections are outlined in VA Circular 26-20-12. The purpose of this Circular is to announce a new Reason for Default (RFD) to help the Department of Veterans Affairs (VA) identify borrowers affected by COVID-19.

This Circular has been posted to the following URL:

Resources Circulars

Circular 26-20-12 – Extended Relief Under the CARES Act for those Affected by COVID-19

This document was issued on April 9, 2020, and is located at

Resources Circulars

Circular 26-20-13 – Valuation Practices during COVID-19 (Updated)

This document was issued on April 10, 2020, and is located at

Resources Circulars

Contacting VA for Additional Help

Borrowers who are not getting the help that they need from their servicer can contact:

Please Get In Touch if We Can Help

We realize how overwhelming all this information can be. If you or someone you know is struggling to understand your options, please get in touch with us & we’ll do our best to help. Also, if you are interested in applying for a new VA purchase or refinance loan to take advantage of lower interest rates, please get in touch today.


* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.