Servicemembers Civil Relief Act
The Servicemembers Civil Relief Act is intended to ease the economic
and legal burdens on military personnel during their active service.
Mortgage Protections
Military members who are called up to active duty may be able to request mortgage relief pursuant
to the SCRA. The Act may provide for a lower interest rate, or prevent foreclosure or eviction for
up to nine months following the period of military service.
Qualification
In order to qualify for certain protections available under the Act, the borrower must request
protection under the Act, and the loan must have originated prior to the current period of active
military service.
Contact Information
If you have questions about SCRA, you can either contact your lender directly, or reach a
trained VA counselor at your nearest VA Regional Loan Center toll-free at 877-827-3702.
Additional Protections
The Department of Defense has detailed some of the most
common forms of protection in a publication posted online at
defense.gov/documents/mobil/pdf/scra_info-paper.pdf
.
Some of these protections are:
6% Cap on Interest Rates
Termination of Leases
Protection from Eviction
Stay of Proceedings
Reopening Default Judgments
Servicemembers Civil Relief Act
Resources
The Department of Defense, Department of Justice and the Army have also published useful
information online. Some of these resources are:
Enforcement of the Act
The Servicemembers Civil Relief Act is enforced by the Department of Justice. The Department
has published an informational booklet entitled Protecting the Rights of Servicemembers
along
with additional resources at www.servicemembers.gov
.
Certificates of Service
For information on obtaining a certificate of service under SCRA, please visit this page on the
DoD website: www.defense.gov/faq/pis/pc09sldr
.
Financial Protections
The Army provides a summary of the financial protections available to deployed soldiers at
www.army.mil/standto/archive/2005/08/22
.
Public Law 108-109
You can access the complete Servicemembers Civil Relief Act at
ra.defense.gov/mobil/pdf/publaw108_189.pdf
.
