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Revolutionize Your Mortgage & Real Estate Communication in California
Have questions about your loan, your next investment, or selling your home under the new NAR settlement guidelines? V Nation Corp is here to help. We provide clear answers, expert guidance, and fast support for borrowers, sellers, and investors across California. Whether you're exploring mortgage options, managing loan payments, or evaluating real estate opportunities, you’ll get transparent, reliable communication every step of the way.
Selling your California home? V Nation helps you understand your options under the new NAR settlement—from choosing the right listing strategy to evaluating FSBO vs. agent-represented sales. Get clear guidance, local market insight, and a tailored plan so you can protect your equity and maximize your sale results.
Join the V Nation Investor Pool and earn consistent returns backed by California mortgage notes and Deeds of Trust. Our team sources, underwrites, and services high-quality real estate–secured investments, giving you passive income with transparency, protection, and expert oversight. Take the next step toward smarter, more secure investing.
If you’re behind on payments, V Nation provides California-focused loan servicing support and loss-mitigation solutions. Get clear guidance and real options to protect your home and move forward with confidence.
Available
Loss Mitigation Options
If you're struggling to keep up with your mortgage payments or facing the possibility of foreclosure, it's completely understandable to feel overwhelmed and uncertain. You're not alone—we understand the challenges many homeowners are facing today, and we're here to help explore solutions that may work for your situation.
There are several programs available that may help you resolve your delinquency and avoid losing your home. While staying in your home is often the goal, it may not always be possible depending on your circumstances. However, there are alternatives to foreclosure that can lead to better outcomes.
Refinance
Obtain a new loan with a lower interest rate or more favorable terms to make your monthly payments more affordable.
Reinstatement
Pay the total amount past due in a lump sum by a specific date. This option may help you avoid foreclosure by bringing your loan current—often used if you can show funds will become available.
Repayment Plan
Create a structured plan to repay your past due amount over time while continuing to make your regular mortgage payments. This option helps you catch up without requiring a lump sum payment.
Sell Your Home
Selling your home can allow you to pay off the total amount owed on your mortgage and avoid foreclosure.
Deed in Lieu of Foreclosure
Transfer ownership of your property back to the lender to satisfy the mortgage debt and avoid foreclosure. This option is typically available when there are no other liens on the property.
Payment Information
Making Payments & Avoiding Late Charges
To ensure your payment is processed correctly:
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Mail your check or money order (do not send cash).
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Mail your payment before the due date. Payments are not considered “accepted” until applied to your loan. Postal delays do not excuse late charges, so please allow adequate time for delivery.
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While you will receive a billing statement each month, not receiving a statement does not excuse late charges.
For Loans Secured by Your Principal Residence:
Payments received after the late charge date must include the late fee. Payments without the late fee will be credited to your account, but the late fee will still apply.
For All Other Loans:
Payments received after the late charge date must include the late fee. If the late fee is not included, the payment will be returned for the total amount due.
Important Credit Reporting Notification
We may report information about your account to credit bureaus.
Late payments, missed payments, or other defaults may be reflected in your credit report.
Returned Payments & Paperless Statements
If a payment made on your loan is not honored by the issuing financial institution (e.g., due to insufficient funds),
a return item fee will be assessed.
If you have opted out of receiving monthly paper statements and are enrolled in paperless billing,
please be sure to write your loan number on your check or money order and mail it to the appropriate address listed above.
Payoff Information
If you are planning to sell your property or pay off your mortgage in full, you must request a payoff statement in writing prior to your anticipated payoff date.
If you are using personal funds or working with an escrow or title company, please send your written request to the correspondence address listed above, Attn: Payoff Department.
Important: Do not use the balance shown on your mortgage statement as the payoff amount, as it may not include accrued interest, fees, or other charges.
Transfer of Servicing
Loans originated, generated, or underwritten by V Nation are serviced in-house. We underwrite in-house. We service in-house. Currently, 100% of loans underwritten by V Nation are serviced by us and are not transferred to other servicers.
However, V Nation reserves the right to retain servicing or transfer your loan to another loan servicer at any time in the future. This decision is not based on you, your credit, or your property, and it does not affect the terms or conditions of your loan, except as they relate to servicing.
If your loan servicing is transferred, you will receive written notice from V Nation, along with a welcome package from the new servicer. These communications will include important information and instructions for managing your loan account.
Frequently Asked Questions
I received a loan transfer notice—what should I do?
The Transfer Sale of Loan Notice lets you know that your loan is being moved to a new servicer.
Please read the notice carefully—it includes details about your new servicer, when and where to send future payments, and contact information including customer service hours, a toll-free number, and a mailing address for written inquiries.
If you’ve already made a payment to
V Nation Corp but received a transfer notice indicating a new servicer, here’s what to expect.
Once your check is received, your account will be reviewed to determine whether the payment should be processed by V Nation Corp or forwarded to the new servicer. If the funds belong to the new servicer, V Nation Corp will endorse the check and forward it via overnight mail to ensure it is promptly applied to your account.
If you made your payment to
V Nation Corp and it was forwarded to the new servicer, don’t worry about late fees.
During the 60-day period starting from the effective date of the transfer, your payment cannot be treated as late—even if it was mistakenly sent to the previous servicer. This grace period is required by federal law to protect borrowers during loan transfers.
Can I make a payment using my credit or debit card?
We do not accept credit card payments. Debit card payments may be accepted depending on the servicer’s available payment options.
Does V Nation Corp offer a
bi-weekly payment option?
V Nation Corp does not offer a bi-weekly payment option. However, once your loan is transferred, you can contact your new servicer to see if they offer this payment arrangement.
Year-End Tax Forms –
When will I receive my year-end tax form?
Form 1098 (Mortgage Interest Statement) is mailed each year no later than January 31st, in accordance with IRS guidelines.