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Military Assistance

At RoundPoint, we appreciate your service and know you risk your lives every day to protect our freedom. That’s why we want to protect you – and your home.

The Servicemembers Civil Relief Act (SCRA) was enacted to help ease financial obligations for military members and their families as they enter active duty as well as when transitioning back to civilian life.



Limits on Interest Rates
If you enter active duty and have an existing mortgage loan, you may be entitled to a lower interest rate. Lenders generally cannot impose an interest rate exceeding 6% on debts incurred prior to active duty.
Extended Benefit Beyond Your Service Period
For mortgage loans, the benefit extends 12 months beyond your period of military service.



Active Duty Servicemembers
Reservists serving on Active Duty
Commissioned officers of the National Oceanic & Atmospheric Administration and Public Health Service on active service
Dependents and spouses of Servicemembers in active duty (some benefits only)
o Under the SCRA, spouses of active duty servicemembers are eligible for benefits if they are jointly liable with the servicemember for the account obligations.
The following branches of the military are eligible for assistance:
o Army (including Army reserves)
o Navy (including Navy reserves)
o Marine Corps (including Marine Corps reserves)
o Air Force (including Air Force reserves)
o Coast Guard (including Coast Guard reserves)
o Commissioned Officers of the U.S. Public Health Service
o Commissioned Officers of the National Oceanic and Atmospheric Administration



In order to expedite the review of your request, please provide us with the following:

A copy of your enlistment orders (reference your loan number) or
A letter on official letterhead from your commanding officer containing the following:
o Your full name, including middle initial
o Your Social Security number and date of birth
o Your home address
o Signature of your commanding officer
o Acknowledgement that the information will be relied upon by a creditor
o Commanding officer’s telephone number (for verification purposes)

Please send all documents to:

Take a look at the information below as it will be helpful in answering many of the questions you may have.


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If you have questions about the SCRA, you can contact your unit’s Judge Advocate or your installation’s Legal Assistance Officer. Click here to find your Legal Assistance Officer.


You can also get more information from Military OneSource, the U.S. Department of Defense’s information resource. You can go visit their website or call 1-800-342-9647.


If you need further assistance or have additional questions, please contact our Customer Service team at 877-426-8805. Our offices are open Monday through Friday 8:00 AM to 9:00 PM and Saturday from 10:00 AM to 3:00 PM EST.

Our information is based directly from the Department of Defense Manpower Data Center’s website. If you believe these orders are incorrect, please submit a copy of the correct orders to:

The SCRA offers protection for those experiencing financial hardships. If you’re experiencing a hardship, please contact us at our customer service team at 877-426-8805. Our offices are open Monday through Friday 8:00 AM to 9:00 PM and Saturday from 10:00 AM to 3:00 PM EST. We’ll send you the Request for Military Indulgence form. Completing this form may help lower your monthly payments and keep your focus where it needs to be.

Loans that were obtained during active duty in military service are not eligible for the 6% interest rate cap or the protection foreclosure. Also, National Guard members, except as described above (although some state laws provide similar benefits for National Guard members called to active duty under state-issued orders)

SCRA benefits can be denied for one of four reasons:

  1. 1. Your military service started prior to incurring debt.
    1. a. Your active duty has to start after you signed your mortgage note to qualify for SCRA protection.
  2. 2. Your service status is no longer active and it has been 12 months since your military service ended.
    1. a. SCRA benefits extend only through active duty as well as 12 months after your active duty has ended.
  3. 3. Benefits not applicable to branch of service.
    1. a. In some cases, your branch of service may not be covered under the SCRA.
  4. 4. We did not receive record of your military service orders provided by the Department of Defense.
    1. a. If you are on active duty or within 12 months of your active duty ending, you can still qualify for protection. Please send us a copy of your military orders.
  1. If you are denied benefits, you will receive a letter confirming exactly why you were denied. If you believe this is incorrect and would like to dispute the denial, please send a copy of your military service orders to:
  • Email:
    Mailing Address: RoundPoint Mortgage Servicing Corporation
    PO Box 19409
    Charlotte, NC 28219-9409