🏚️ America made a promise to its veterans!! Please copy, paste to your social media and platforms and help keep veterans in their homes.
- keepourvetshoused
- Apr 6
- 4 min read
We promised them stability. We promised them dignity. We promised that after serving our nation, they could come home to a roof over their heads and a system that had their back.
Today, those promises are being broken—silently, systematically, and with devastating consequences.
Two recent decisions by the Department of Veterans Affairs are actively driving thousands of veteran families closer to foreclosure, eviction, and homelessness:
The termination of the VA’s VASP program, which will end on May 1st, 2025, with no clear replacement in sight.
The ongoing bankruptcy exemption, which blocks veterans in bankruptcy from receiving any foreclosure prevention assistance at all.
These two policy failures are compounding each other, creating a perfect storm that’s devastating veterans who are already among the most vulnerable.
Let’s break this down:
⚠️ The VASP Program Is Gone—and With It, Hope for Thousands
The Veteran Assistance Servicing Purchase (VASP) program was the VA’s primary tool to intervene when a veteran fell behind on their mortgage.
If a VA-backed loan became seriously delinquent, the VA could buy the loan from the lender, modify it into a manageable plan, and keep the veteran in their home. For many families, VASP was the only lifeline between them and foreclosure.
It wasn’t widely publicized. It wasn’t easy to access. But it was something.
And then—it will be gone on May 1st, 2025.
The VA is officially ending the VASP program. No replacement. No warning. No publicly available alternative.
For thousands of veterans, this sudden closure will slam the door shut right as they were about to be helped. Many had been waiting on pending applications. Others had just been told their case was “under review.” And now? They’re back where they started—only worse off, with more missed payments, mounting fees, and no federal protection.
Veterans are being notified of upcoming foreclosure sales. Eviction notices are going out. And the agencies responsible for helping them are silent.
❌ The Bankruptcy Exemption: A Hidden but Devastating Barrier
Even before the VASP program was terminated, there was a major flaw baked into its structure that disqualified an entire group of at-risk veterans: those who had filed for bankruptcy.
Under VASP, if you were in an active Chapter 7 or Chapter 13 bankruptcy, you were automatically ineligible for assistance. Period.
Let that sink in.
We’re talking about:
Veterans who filed Chapter 13 in order to save their homes by repaying their debts in an orderly plan;
Veterans who filed Chapter 7 to discharge overwhelming debt caused by medical bills, job loss, or family crisis;
Widows and caregivers trying to protect their families’ homes after the loss of a spouse.
These families did exactly what the legal system encourages—they filed bankruptcy to stabilize and survive. Yet the VA’s system punished them for that.
They were told:
“Because you’re trying to get your life back on track through bankruptcy, you’re not eligible for help from the VA to keep your home.”
That is both backwards and cruel.
📉 The Fallout: Real Families Are Already Losing Everything
At Keep Our Vets Housed, we are hearing from these families daily:
A Marine veteran in California who was three weeks away from a VASP decision—then got a foreclosure notice instead.
A Navy widow in Texas who filed Chapter 13 to keep her home, only to be disqualified from assistance and forced into a court battle she couldn’t afford.
A disabled Army vet in Georgia who was told the VA “wasn’t allowed” to help him anymore—despite his years of service and his family’s need.
We’ve seen the foreclosure filings. We’ve heard the fear in their voices. These are not isolated stories. This is a wave that’s already building.
And we’re not talking about irresponsible borrowers. These are veterans who fell behind due to:
Service-connected injuries;
Delays in VA benefits or disability compensation;
COVID-19 income loss;
Family trauma, illness, and caregiving burdens.
Many were doing everything right—and still got denied.
📊 The Bigger Picture: A Brewing Crisis
If we do not act now, the VA’s decisions will contribute to:
A new surge in veteran homelessness—undoing decades of progress.
Thousands of unnecessary foreclosures on VA-backed loans.
Destroyed credit and shattered futures for those who served this nation.
We’ve already seen the numbers:
Over 6,000 seriously delinquent VA loans were under review for assistance when the VASP program ends.
Thousands more were quietly blocked due to the bankruptcy exemption.
The VA has no current program ready to replace VASP.
Without fast intervention, these numbers will skyrocket.
🛠️ What Must Be Done—Now
It’s not too late—but we are running out of time.
Here’s what Congress and the VA need to do immediately:
1. Reinstate a permanent VA foreclosure prevention program.
It must be broad, accessible, and designed with real flexibility for hardship cases—including bankruptcy.
2. Eliminate the bankruptcy exemption.
No veteran should be disqualified from housing assistance simply because they used a legal tool to save their finances.
3. Pause all VA-backed foreclosures until a proper replacement program is in place.
We cannot allow families to fall into homelessness because of bureaucratic delays and bad policy.
4. Ensure mortgage servicers are held accountable for working with veterans in good faith—and for notifying them of any program changes.
5. Launch a national outreach effort to educate veterans about their rights, resources, and the help available to them.
❤️ The Promise We Made Must Be the Promise We Keep
This is bigger than mortgages. This is about justice. About loyalty. About keeping our word.
Our nation made a solemn vow to its veterans:
“We’ve got your back.”
It’s time for that vow to mean something—especially when veterans are in crisis.
Right now, our systems are failing the very people who risked everything to serve. Not because of their choices, but because of decisions made in silence, in offices far removed from the reality on the ground.
We cannot allow this to continue.
📣 Take Action. Share This. Be Loud.
If you’re reading this and you’re as outraged as I am, here’s what you can do:
✅ Contact your members of Congress. Tell them to demand the VA reinstate a permanent solution to replace VASP and end the bankruptcy exclusion.✅ Share this post. Awareness matters. Spread the word on social media, in newsletters, at your church or VFW hall.✅ Support organizations like ours. We’re fighting for these families every day—but we can’t do it alone.
🏠 No one who served this country should lose their home because their government failed to act.
Let’s keep our promise. Let’s keep our vets housed.
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