You served your country with honor. Now let us honor your service and protect your home.

Woman and soldier in a military uniform say goodbye

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)
  • 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:
  • Army (including Army reserves)
  • Navy (including Navy reserves)
  • Marine Corps (including Marine Corps reserves)
  • Air Force (including Air Force reserves)
  • Coast Guard (including Coast Guard reserves)
  • Commissioned Officers of the U.S. Public Health Service
  • 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 letter on official letterhead from your commanding officer containing the following:
  • Your full name, including middle initial
  • Your Social Security number and date of birth
  • Your home address
  • Signature of your commanding officer
  • Acknowledgement that the information will be relied upon by a creditor
  • Commanding officer’s telephone number (for verification purposes)

Please send all documents to:


Mailing Address: Embrace Home Loans
PO BOX 19210
Charlotte, NC 28219-0229

Where can I get more information about the SCRA? – Click here

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.