VA Home Loan Program Reform Act

Summary

VA Home Loan Program Reform Act This bill authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program and establishes a partial claim program. First, the bill authorizes the VA to pay the holder of a loan guaranteed by the VA an amount necessary to avoid the foreclosure of the loan, provided that the holder of the loan and the veteran obligated on the loan execute documents to ensure the VA obtains a secured interest in the property covered by the loan. The VA must prescribe loss mitigation procedures to help prevent the foreclosure of such a home loan. The VA may not take specified administrative actions (e.g., consent to the modification of loan terms) until the sequence of mitigation options has been completed. Next, the bill establishes a Partial Claim Program under which the VA may make a partial claim (purchase a portion of the indebtedness) on VA loans for primary residences that are in default or at imminent risk of default. Individuals who default on loans for which the VA has made a partial claim under this program must be liable to the VA for any loss resulting from the default. Finally, the VA must report to Congress on its strategy to ensure that veterans who purchase homes under the VA home loan program are not at a disadvantage when attempting to secure representation by a real estate agent or broker.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

1. 3 March 2025

   Introduced

   Referred to the House Committee on Veterans' Affairs.

   Source: IntroReferral

2. 3 March 2025

   Introduced

   Introduced in House

   Source: IntroReferral

3. 3 March 2025

   Introduced

   Introduced in House

   Source: IntroReferral

4. 10 March 2025

   Committee

   Subcommittee Hearings Held

   Source: Committee

5. 10 March 2025

   Referred

   Referred to the Subcommittee on Economic Opportunity.

   Source: Committee

6. 9 April 2025

   Committee

   Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.

   Source: Committee

7. 9 April 2025

   Committee

   Subcommittee Consideration and Mark-up Session Held

   Source: Committee

8. 6 May 2025

   Committee

   Committee Consideration and Mark-up Session Held

   Source: Committee

9. 19 May 2025

   Passed

   Motion to reconsider laid on the table Agreed to without objection.

   Source: Floor

10. 19 May 2025

    Passed

    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)

    Source: Floor

11. 19 May 2025

    Passed

    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)

    Source: Floor

12. 19 May 2025

    Floor

    DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.

    Source: Floor

13. 19 May 2025

    Floor

    Considered under suspension of the rules. (consideration: CR H2126-2129)

    Source: Floor

14. 19 May 2025

    Floor

    Mr. Bost moved to suspend the rules and pass the bill, as amended.

    Source: Floor

15. 19 May 2025

    Calendars

    Placed on the Union Calendar, Calendar No. 77.

    Source: Calendars

16. 19 May 2025

    Reported

    Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.

    Source: Committee

17. 19 May 2025

    Reported

    Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.

    Source: Committee

18. 20 May 2025

    Introduced

    Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

    Source: IntroReferral

19. 15 July 2025

    Passed

    Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)

    Source: Floor

20. 15 July 2025

    Passed

    Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.

    Source: Floor

21. 15 July 2025

    Discharge

    Senate Committee on Veterans' Affairs discharged by Unanimous Consent.

    Source: Discharge

22. 15 July 2025

    Committee

    Senate Committee on Veterans' Affairs discharged by Unanimous Consent.

    Source: Committee

23. 16 July 2025

    Floor

    Message on Senate action sent to the House.

    Source: Floor

24. 18 July 2025

    Floor

    Presented to President.

    Source: Floor

25. 18 July 2025

    President

    Presented to President.

    Source: President

26. 30 July 2025

    Became law

    Became Public Law No: 119-31.

    Source: President

27. 30 July 2025

    President

    Signed by President.

    Source: President

28. 30 July 2025

    Became law

    Signed by President.

    Source: BecameLaw

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

8 official files

• Enrolled Bill

  Enrolled Bill · EN

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• Public Law

  Public Law · EN · 31 July 2025

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• Public Law

  summary · EN · 30 July 2025

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• Referred in Senate

  Referred in Senate · EN · 20 May 2025

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• Engrossed in House

  Engrossed in House · EN · 19 May 2025

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• Reported in House

  Reported in House · EN · 19 May 2025

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• Introduced in House

  Introduced in House · EN · 3 March 2025

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• Introduced in House

  summary · EN · 3 March 2025

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Sponsors

• Rep. Van Orden, Derrick [R-WI-3] · R · Sponsor
• · ssva00 · Standing
• · hsvr00 · Standing

Related records

• related to ← To amend title 38, United States Code, to increase the authorization of appropriations for comprehensive service programs for homeless veterans.

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