It’s important to get in touch with VHDA as soon as possible when you start having trouble making house payments.  In many cases, contacting us early in the process will make it easier for us to work with you and help you get back on track.

If you are currently having financial difficulties or believe that financial difficulties are imminent and you would like to be considered for one or more of VHDA’s Home Retention or Loss Mitigation options, please submit your application by following these instructions:

1. Download the Borrower's Assistance Package 

2. Complete all of the pages in the package.

3. Pages 1 and 2 detail all of the additional information and documents that are required and must be sent to us.

Note: Please retain your original tax returns, bank statements, pay stubs, profit and loss statements and hardship verification documents for your records and provide VHDA with copies of these documents. All documents provided to VHDA through your application will be retained in your loan servicing file.

  4. Sign the forms where indicated.

  5. Send to:

Upon receipt of your Borrower’s Assistance Package, VHDA will review the documentation for completeness and notify you of any additional documentation required to complete the Borrower’s Assistance Package. You will also be provided notified once your Borrower’s Assistance Package documentation is complete and your VHDA point of contact has been assigned. VHDA cannot assign your Borrower’s Assistance Package to your point of contact for assistance until it is complete.

If you have any questions about any of the forms, or about our loss mitigation process, please contact Loss Mitigation at 888-756-8603.