02 · Federal SCRA protection
Mortgages & homeownership
See interest and foreclosure protections for mortgages and home-equity accounts opened before service.
3 protections in this areaWhat may apply
Protections worth checking
Possible 6% cap during service plus one year for qualifying mortgages and similar home loans
Court order generally required for a covered foreclosure or seizure
Possible court pause or payment adjustment when service makes payment difficult
Federal protections, one by one
The full records for this topic.
Open any protection to see what it may do, when it may fit, what to do next, and the official source.
04Credit cards, loans, and financed property
Foreclosure protection for a home or other mortgaged property
Check the dates and documents
Credit cards, loans, and financed property
Foreclosure protection for a home or other mortgaged property
A qualifying foreclosure, sale, or seizure generally needs a court order during service and for one year after. A court may pause the action or adjust payments when military service seriously affects the member's ability to pay.
The member still owes a pre-service loan secured by property the member owns, such as a mortgage or qualifying home-equity line of credit.
No advance notice is needed for the court-order rule. Ask a court for a pause or payment adjustment and get help quickly if a sale is threatened.
Check the dates and documents → get help now
The refund estimate is not built for court matters or time-sensitive threats. If someone is trying to foreclose, evict, repossess, garnish wages, or sell property—or you have a court deadline—start with DOJ help for servicemembers.
Where this comes from
Federal protections stay separate from additional institution benefits.
We base federal summaries on current federal law and official agency guidance. Additional benefits offered by a bank are labeled separately and do not change the federal protections.