Protect Your Home & Car

Foreclosure and repossession protections that keep your biggest assets safe during service.

• How to Use the SCRA With Any Mortgage Servicer

  Rocket, Mr. Cooper, PennyMac, Freedom, Newrez, loanDepot: one SCRA process. The 6% cap, the 1-year foreclosure tail, and exactly how to file.

  6% cap + 1-year foreclosure shield

• SCRA and Your Mortgage: 6% Cap, 1-Year Tail, VA Loans

  The 6% cap on a pre-service mortgage, why it runs a full year past active duty, the no-foreclosure shield, VA loans, and the refinance trap that kills it.

  Avg. savings: $4,200/yr

• SCRA & Installment Contracts: Rent-to-Own & Furniture

  Rent-to-own, furniture, or electronics on a pre-service installment contract cannot be repossessed without a court order. 50 U.S.C. § 3952, explained.

  Blocks self-help repossession

• Self-Storage Liens and the SCRA: No Auction

  Storage payment lapsed while deployed? The facility cannot auction your belongings without a court order during service and for 90 days after. § 3958.

  Protects your stored goods

• Can't Be Evicted: SCRA Eviction Protection

  Rent under the federal threshold means no eviction without a court order, and the judge must pause it 90 days. 50 U.S.C. § 3951 turns a notice into a fight.

  Protects deposit + housing

• SCRA Foreclosure & Repossession Protection: Keep Your Home & Car

  No foreclosure on a pre-service mortgage and no car repossession without a court order, during service and beyond. What the SCRA blocks and how to use it.

  Protects your two biggest assets