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The Department of Veterans Affairs (VA) has implemented specific guidelines to assist homeowners impacted by natural disasters. Chapter 21 of the VA Servicer Handbook M26-4 (Servicer Handbook) is devoted to disasters and borrower assistance.208 The VA Home Loans website contains a link to “VA Guidance on Natural Disasters,”209 which includes information and advice about mortgage assistance for borrowers affected by a natural disaster, and includes information for mortgage lenders and servicers. The VA typically issues guidance to the lending industry, in the form of “Circulars,” regarding the servicing of mortgages impacted by natural disasters.210


  • 208 U.S. Dep’t of Veterans Affairs, VA Servicer Handbook M26-4, available at This version of chapter 21 was last updated on Feb. 26, 2019.

  • 209 See U.S. Dep’t of Veterans Affairs, VA Guidance on Natural Disasters, available at

  • 210 Circulars are available at