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Account status incorrect. I am a XXXX XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for