Servicemembers Civil Relief Act (SCRA)

Frequently Asked Questions - Amegy Mortgage

  1. What is the SCRA?

  2. What specific obligations can SCRA help me with?

  3. Who is Eligible for SCRA Benefits?

  4. What do I have to do to get my interest rate on a debt reduced to 6%?

  5. Are all of my accounts eligible for benefits?

  6. How long do SCRA benefits and protections last?

  7. Is my spouse eligible for interest rate benefits?

  8. Will my spouse be able to handle questions about SCRA for me in my absence?

  9. What are my SCRA protections from foreclosure on my home?

  10. What are my SCRA protections from repossession?

  11. What are my SCRA protections for my deposit accounts?

  12. What are my SCRA protections for my Safe Deposit Box?

  13. If I'm protected from foreclosure, and repossession, do I have to make my payments?

  14. Why did one of my loans get approved for SCRA benefits while my other loan(s) did not? Doesn’t SCRA cover all my loan accounts once I am called to active duty?

  15. Why did I receive a letter asking me to send in additional information?

  16. I’m currently receiving SCRA benefits, yet the Mortgage Company reported me to the credit bureau as being past due. Why did this happen?

  17. Why did Amegy Mortgage decline my request for SCRA benefits on my loan account(s)?

  18. How do I apply for SCRA benefits?

  19. What if I need additional SCRA information?