Congress Passes VA Home Loan Program Reform Act to Help Veterans Avoid Foreclosure
This bill became law on July 29, 2025. It is no longer moving through Congress because it has been enacted. Federal agencies are now responsible for putting the new rules into effect.
This bill has already passed both the House and Senate in the same form and is ready to be signed into law.
This bill’s path across every version that has carried it.
Reintroduced
Reintroduced from H.R. 8647 (118th), which died when its Congress ended.
H.R. 8647 (118th) →Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works
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.”
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.
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.
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.
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.
No votes recorded for this bill yet.
Document Type
Congressional Bill
Official Title
VA Home Loan Program Reform Act
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