SCRA Help for Your Mortgage

Your mortgage, protected

The three protections that decide whether you keep the house and at what payment while you serve.

• 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.

• 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.

• The SCRA 6% Interest Rate Cap: Complete Guide

  How to cut every pre-service debt to 6% APR with one letter: credit cards, auto loans, mortgages, student loans, retroactive to day one of active duty.

Lower the rate and claim a refund

The cap is retroactive to day one of active duty, and a few banks drop the rate below the federal 6% floor. Here is who, and how to get money back.

• SCRA 6% Refund: How to Get Overpaid Interest Back

  The SCRA 6% cap is retroactive to your first day of active duty. If a lender charged you more, here is how to get your overpaid interest back.

• Bank of America SCRA: 6% Cap, 4% Mortgage & How to File

  Bank of America applies the 6% cap, drops mortgages it owns and services to 4%, and waives select card fees for life after service. How to file.

• SCRA Bank Leaderboard: Who Beats the 6% Cap (0% & 4% Clubs)

  The law says 6%. Citi reportedly goes to 0%, USAA, Chase, Capital One and Navy Federal to 4%, and Discover under 6% on all cards. Ranked, with strategy.

Before you sign or refinance

The cap follows the loan you signed before active duty. Refinancing on active duty resets the clock and can hand back the protection you already had.

• Borrow Before You Serve: The SCRA Pre-Service Debt Playbook

  Debt signed before active duty gets capped at 6% the day your orders start. How to time loans before service, and the refinance mistake that kills it.

Run your numbers, send the letter

Turn the cap into a dollar figure, estimate a retroactive refund, and generate the written notice that invokes the 6% rate on your mortgage.

Refund calculator → · Savings calculator → · Rate-cap letter generator →

Your state may stack more on top

Some states add their own foreclosure stays and rate protections on top of the federal SCRA. See what applies where you live.

Browse the state directory →