Six asks. No new appropriation.
What your office or organization can do
Every request uses authority that already exists, and every request covers the whole cohort, because the whole cohort was harmed the same way.
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The current asks
PROJECT ANALYSISAsk 1 · Pause & count
Pause VA-guaranteed foreclosures and the VA’s own eviction actions until the partial claim program is actually available, operational at the veteran’s servicer, not merely announced. This is the NCLC’s request and the request of 28 members of the House. The Department controls the timing of its own lawsuits.
No new appropriation, authority already exists
Ask 2 · Use 3(h), remove the gates
Use the Section 3(h) emergency authority now, and remove the administrative gates so the program reaches families already put out of their homes and families trapped in modifications they cannot afford. The exclusions are the VA’s manual, not the statute; the VA can reverse them without legislation.
No new appropriation, authority already exists
Ask 3 · Publish the counts
Direct the VA to publish monthly counts of VA-loan foreclosures and VA-as-plaintiff eviction filings, plus servicer-level partial-claim uptake, denial, and compliance data. Congress cannot verify the launch narrative without the numbers, and families should not be the only ones keeping score.
No new appropriation, authority already exists
Ask 4 · Clocks & IG oversight
Fixed processing clocks and Inspector General oversight of servicer systems, now proposed for loan assumptions, should reach loss mitigation and partial-claim processing, where the harm is happening now. The records establishing servicer failures sit in the VA’s own systems and can be directed for production.
No new appropriation, authority already exists
Ask 5 · No pay-fors off veterans
Remove the disability rating reductions and home loan fee increases from pending legislation, and reaffirm that veterans organizations may oppose legislation without retaliation against their accreditation.
No new appropriation, authority already exists
Ask 6 · Warm referrals to housing
Warm referrals to veteran-friendly landlords, property managers, and real estate professionals, and case-management capacity that can walk displaced families from intake to lease. This is the immediate, practical need every week.
No new appropriation, authority already exists
④ What you can do · By audience
What moves this, and who moves it
Member offices, casework
When a veteran foreclosure case reaches your district office: open a constituent inquiry to the VA and confirm it stays open until a substantive written response arrives (at least one cohort inquiry was administratively closed with no response sent). Request the VALERI record and the servicer’s complete loss-mitigation file. Do not accept the “modifications were offered and declined” response without asking whether any offer complied with the rate cap. Refer the family to this project for peer navigation, and to their state AG and state DFI for parallel complaints.
Member offices, legislative
Co-sign or renew the moratorium demand (Ask 1); back the counting requirement (Ask 3), the cheapest ask here and the hardest to argue against; extend processing clocks and IG oversight to loss mitigation (Ask 4); and insist any benefits package drops the rating cuts and fee increases (Ask 5).
Committee staff, oversight
Three document productions resolve most factual disputes: (1) VALERI records for loans foreclosed January 2025 to present; (2) servicer loss-mitigation files and borrower-disclosure documents for forbearance exits; (3) the VA’s internal counts of foreclosures and VA-as-plaintiff eviction filings (Ask 3). Family witnesses remain prepared; recorded testimony is available to any committee that will take it.
VSOs
Add the foreclosure cohort to your legislative agenda alongside the benefits fight (Asks 1 and 5). They are the same members. Offer accredited-representative time for the benefits consequences that follow foreclosure-driven collapse. Share this brief with service officers so families calling about foreclosure get routed, not turned away. Your housing and emergency-assistance funds reach further paired with this project’s intake.
Landlords, property managers & neighbors
The single highest-impact act available to anyone reading this (Ask 6): agree to take warm-referral calls for screened veteran families whose credit damage traces to this documented federal failure, and say so to this project. A list of willing landlords, growing one name at a time, is currently the difference between housed and homeless.
Contact your representatives
Find your member and make the call
Your U.S. Representative
Find your House member by ZIP code and ask them to co-sign the moratorium demand (Ask 1) and back the counting requirement (Ask 3).
house.gov → find your rep ↗Your U.S. Senators
Find both of your senators and ask them to keep the rating cuts and home-loan fee increases out of any Senate vehicle (Ask 5).
senate.gov → contact ↗A 20-second script
“I’m a constituent. Veteran families are losing homes because the VA’s rescue program excludes the already-harmed and isn’t available until servicers implement it. Please ask the VA to pause foreclosures and evictions, use its Section 3(h) authority, and publish the counts.”