I know this reply is a bit late, but I just came across your post. Regarding the question about why everything has to be sent to the Janesville Claims Intake Center, I'm not entirely sure. However, I guess that it's to ensure consistency and efficiency in processing claims and managing VA benefits across the country. Additionally, given the complexity of your situation, it may be worth seeking the advice of financial specialists, such as a Mortgage Broker in Cheltenham or a financial advisor, who can provide you with professional guidance on how to best navigate this issue. They may be able to help you better understand your options and assist in developing a plan to move forward.