VA Home Loan Program Reform Act
Congress Passes VA Home Loan Program Reform Act to Help Veterans Avoid Foreclosure
This bill has finished the legislative process and is now a law. It was signed into effect on July 30, 2025. There are no further actions scheduled for this bill.
Legislative Progress
This bill has already passed both the House and Senate in the same form and is ready to be signed into law.
Key Points
Impact Analysis
Personal Impact
Life & Work
Veterans who own homes financed through VA loans gain meaningful new foreclosure protections. Lenders must offer all available loss mitigation options in a required sequence before they can begin foreclosure proceedings. This gives veteran homeowners more time and more chances to catch up on missed payments and stay in their homes.
“The Secretary may not purchase an entire such loan until the veteran has completed such sequence.”
Programs
Milestones
Became Public Law No: 119-31.
The President signed it. This is now the law of the land.
Signed by President.
The President signed it. This is now the law of the land.
Presented to President.
Both chambers passed identical text. The President has 10 days to sign it into law or veto it.
Message on Senate action sent to the House.
Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
The Senate voted to approve this bill. If the House already passed it, it goes to the President.
Votes
No votes have been recorded for this legislation yet.
Related News
7 articles
New mortgage support program for struggling veterans set to become law
Senate lawmakers finalized plans for the VA Home Loan Program Reform Act, creating a partial claim program for veterans who have fallen behind on housing payments. The bill empowers the VA to purchase a portion of defaulted loans as an option of last resort to preserve homeownership.
Trump signs VA foreclosure prevention bill into law
The VA Home Loan Program Reform Act adds a permanent partial claim option to the VA mortgage program. This follows the termination of the VASP program in May and aims to provide a sustainable solution for the nearly 90,000 VA loans currently in serious delinquency.
New law seeks to help veterans struggling with homeownership
The newly enacted VA Home Loan Program Reform Act (H.R. 1815) authorizes the VA to pay loan holders amounts necessary to avoid foreclosure. It establishes a five-year Partial Claim Program and requires the VA to ensure veterans are not disadvantaged when paying real estate agent fees.
Source Information
Document Type
Congressional Bill
Official Title
VA Home Loan Program Reform Act
Data Sources
Sponsor
Analysis generated by AI. Always verify with official sources.