A 3rd party broker that specializes in mortgages guaranteed by the US government


VA Home Loan Centers offers free assistance to homeowners facing foreclosure or short sale. To begin the process, call 888-573-4496.

  2. Benefits Of Selling Your Home

The post-recession economy has been hard on many Americans. Despite the economic climate which has been steadily improving post 2008, one in five mortgages is still underwater. As reported by CoreLogic, 19.8 percent of residential mortgages carry negative equity. Nationwide, homeowners who owe more than their home is worth possess a combined $580 Billion in negative equity. Additionally, twenty percent of all residential mortgages are “under-equitied,” Meaning, that the value of the house is below 20 percent of the principal mortgage amount. Nearly twelve million homes are categorized as “under-equitied.” The consequence for owners with homes that fall into this category is that their ability to obtain future financing or refinancing will be potentially complicated by underwriting guidelines.

If you are like many homeowners and need to sell your home, you may have learned that your home is worth less than what you owe. For homeowners in this difficult situation, VA Home Loan Centers can help you sell your home at no cost to you out of pocket.

If you have moved from your home or have an impending move scheduled, you may qualify for a grant or be able to sell your home for zero expense.

Benefits Of A Grant

A grant, although somewhat difficult to qualify for, may be the best option. The grant is a federal program that will help a seller pay off any shortage. The grant will also allow you to sell your home at no out of pocket cost to you.

The grant will pay off any difference between the appraised fair market value and your loan amount(s). The grant has various restrictions but is available to service members who have been injured, wounded while forward deployed. The surviving spouse of a service member who has fallen in the line of duty while forward deployed may also be eligible. Other personnel, who have been subject to a PCS, may also qualify.

You do not need a VA loan to obtain a grant.

To apply for a grant, you must be current on your mortgage payments and must meet additional criteria. To find out if you qualify for a grant, call 888-573-4496 (option 2) or use the form on this page.
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Benefits Of Selling Your Home

For borrowers who do not qualify for a grant, another option is to short sale your property. If you need to sell your home and do not have any equity, VA Home Loan Centers will assist you in the sale of your home at no out of pocket cost to you.

The home seller program offered by VA Home Loan Centers is structured to minimize any damage to your credit report as well as security clearance.

To begin the process, call 888-573-4496 or use the form on this page. 


If you choose to have VA Home Loan Centers represent you in selling your home as a short sale, you can stop using our services at any time. VA Home Loan Centers charges no up-front fees to assist you with your short sale. Our partner real estate brokerages will charge a real estate commission but if the bank agrees to a short sale, this is paid for by your lender. VA Home Loan Centers is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change the terms of your mortgage including approving your short sale. It is recommended that you continue to make payments on your mortgage throughout the process. Should you default on your payments, you can see a negative impact to your credit report and your home could be foreclosed upon.

Additional Seller Resources

  1. Need To Sell But Owe More Than Your Home Is Worth? Click here.
  2. Want Tips For Your DOD Move? Click here.