Behind on Your VA Mortgage? What Changed in 2026

If you are behind on a VA mortgage in 2026, the old VASP rescue program is gone, but a new VA Partial Claim Program from the 2025 reform law can bring your loan current as a no-payment 2nd lien. Waiting for the final rulebook is the mistake costing veterans their homes.

The VA Servicing Purchase program (VASP) ended May 1, 2025, and more than 10,000 veterans have since lost their homes, with roughly 90,000 more behind on payments. The VA Home Loan Program Reform Act, signed July 30, 2025, created the Partial Claim Program now rolling out through 2026. With Fenrir, Bella, Beth, and Lewis, this episode walks the full timeline, the exact mechanics, and the moves to make this week.

In this video:

• Why VASP vanished and what its 2.5 percent reset actually did for 33,000 veterans
• How a partial claim brings your loan current as a silent, no-interest subordinate lien
• The 25 percent coverage cap and the 30 percent COVID-era exception
• Who qualifies, plus the three-month trial payment plan you cannot fumble
• What is still in draft in 2026 and why you should not wait for the final handbook
• The exact four-step call script and the VA loan technician number to dial 1st

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