If you bought with a VA loan and can no longer keep up, the VA Compromise Sale program lets you sell at fair market value and have the VA cover the approved shortfall — no auction, no foreclosure on your record.
You served. This benefit exists for exactly this moment — and the lender pays our commission.
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A VA loan comes with more than a low rate: it comes with the VA standing behind you when things go wrong. A Compromise Sale is not a failure — it is a structured program where the VA agrees the sale price is fair and covers the gap, protecting your credit and often preserving more of your future borrowing power than a foreclosure ever would.
I’m Nick Hedberg, founder of We Sell Houses LA. We handle the VA paperwork, the appraisal coordination, and the servicer negotiation — you focus on your next move.
We confirm your loan is VA, document the hardship, and contact your servicer to open the compromise sale review.
A VA appraisal sets fair market value. We list and market the home, then bring the offer to your servicer and the VA for approval.
On an approved sale the VA pays the shortfall claim. You close, the debt is resolved, and there is no foreclosure on your record.
Out of pocket. Commissions and standard costs are handled within the approved sale.
The approved shortfall is paid through the VA’s claim — not billed to you.
California’s AB 2424 postpones a scheduled auction 45 days once your home is listed — plus 45 more with a signed purchase agreement.
Mid-divorce and newly out of work, Nicole and John had run out of money to finish the projects around the house — and the foreclosure auction was almost here when they reached us. We got the auction stopped and completed their short sale with PennyMac. They walked away with a lender-paid relocation fee and no foreclosure on their credit.
Antonio called us the night before his home was set to go to auction. He had lost his job twice and couldn’t catch up on payments — and his wife and two kids were living in the house. We got the foreclosure postponed, worked with Fannie Mae, and got his short sale approved. No foreclosure on his record, and his family moved forward on their own terms.
It is the VA’s version of a short sale: when your home is worth less than the loan balance, the VA can approve a sale at fair market value and pay the difference to the lender through a claim. It is a recognized VA benefit — not a black mark.
You generally need a VA loan, a genuine financial hardship, and a sale at fair market value with costs in line with VA guidelines. We confirm eligibility with your servicer on the first call — free and confidential.
The portion of entitlement used to cover the claim stays tied up until repaid, but a compromise sale is typically far gentler on your record and your future borrowing than a foreclosure — and remaining entitlement may still be usable. We review your Certificate of Eligibility with you so there are no surprises.
Almost always. A foreclosure hits your credit harder, typically costs the VA more, and takes the timeline out of your hands. A compromise sale is the managed exit: market-value sale, approved payoff, and a clean closing date you help choose.
Nothing out of pocket — the lender pays our commission and standard closing costs are handled within the approved sale.
Yes — call now. California’s AB 2424 listing postponement plus the servicer’s compromise-sale review give us two ways to buy time, and we have stopped sales with days to spare.
More guides: Sell a house in foreclosure · FHA short sale · California short sale process · Short sale help
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