VALID Act of 2025

Key Points

• This bill helps veterans and service members find the best mortgage by making sure they are told about VA home loan options when they apply for a house.
• When a person applies for a government-backed FHA loan, the lender would be required to show them how a VA loan compares in cost and interest rates so they can make an informed choice.
• The standard home loan application form used by most banks would be updated to include a question asking if the borrower served in the military, placed right above the signature line.
• This change is meant to stop veterans from missing out on benefits like $0 down payments and lower interest rates that they earned through their service but might not know they can use.
• If the bill becomes law, federal housing agencies would have six months to update their rules and forms to make sure these disclosures are given to every home buyer.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.