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# What is Foreclosure?
It's when a homeowner is unable to make principal and/or interest payments on their mortgage. The lender, a bank or building society, can seize and sell the property as stipulated in the terms of the mortgage contract.
### About Us
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 1863962
### Contact Us
401 Macy Dr. Ste B
 Roswell, GA 30076
 Phone: (404) 375-0779
Admin@ATLMortgageAdvisors.com
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# What Happens When a Mortgage Payment is Missed?
Unfortunately, Foreclosure can happen. By missing a mortgage payment, your lender has the legal means to repossess your home and force you to move out. If your property is worth less than the total amount you owe on your loan, a Deficiency Judgment could be pursued. Both a Foreclosure and a Deficiency Judgment can affect your ability to qualify for credit in the future. So you should avoid foreclosure, if possible.
# VA Loans
# What are the benefits of a VA Loan?
* 100% Financing & No Down Payment Loans
* No Private Mortgage (PMI)
* No Penalties for Prepaying the Loan
* Competitive Interest Rates
* Qualification is Easier than a Conventional Loan
* Sellers Pay Some of the Closing Costs
* Can be combined with additional down payment assistance to reduce closing costs
# If I have already obtained one VA Loan, can I get another one?
Yes, your eligibility is reusable depending on the circumstance. If you have paid-off your prior VA Loan, and disposed the property, you can have your eligibility restored again. Also, on a 1-time basis, you may have your eligibility restored if your prior VA Loan has been paid-off, but you still own the property. Either way, the Veteran must send the Veterans Administration a completed VA Form 16-1880 to the VA Eligibility Center. To prevent delays in processing, it's advisable to include evidence that the prior loan has been fully paid, and if applicable, the property was disposed. A paid-in-full statement from the former lender or a copy of the HUD-1 settlement statement must be submitted.
# How do I apply for a VA guaranteed loan?
You can apply for a VA Loan with any mortgage lender that participates in the program. In addition to the application requirements from your lender, you will need the following at application time:
* Certificate of Eligibility from the Veterans Administration by submitting a completed .
* Proof of Military Service from a 