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Public Law119th CongressArmed Forces and National Security
H.R. 1815Became Law

VA Home Loan Program Reform Act

This bill became law

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What it doesSummary public law (Jul 30, 2025)

VA Home Loan Program Reform Act

This act authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program, establishes a partial claim program, and temporarily increases amounts authorized for transitional housing and supportive services for veterans who are experiencing homelessness.

First, the act 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 act establishes a five-year 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.

Further, 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.

Finally, the act temporarily increases the amounts authorized for the VA’s Grant and Per Diem program for FY2025 and FY2026. (The program provides funding to public or nonprofit private entities that provide housing and supportive services to veterans experiencing homelessness.)

What just happenedJul 30, 2025

Became Public Law No: 119-31.

Who’s behind it

Rep. Van Orden, Derrick [R-WI-3](R-WI)Sponsor
Read on Congress.gov
2committees29actions1related bills5subjects
  1. Jul 30, 2025PresidentE40000

    Became Public Law No: 119-31.

  2. Jul 30, 2025BecameLaw36000

    Became Public Law No: 119-31.

  3. Jul 30, 2025PresidentE30000

    Signed by President.

  4. Jul 30, 2025BecameLaw36000

    Signed by President.

  5. Jul 18, 2025FloorE20000

    Presented to President.

  6. Jul 18, 2025President28000

    Presented to President.

  7. Jul 16, 2025Floor

    Message on Senate action sent to the House.

  8. Jul 15, 2025Floor

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

  9. Jul 15, 2025Floor17000

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

  10. Jul 15, 2025Discharge

    Senate Committee on Veterans' Affairs discharged by Unanimous Consent.

    Veterans' Affairs Committee
  11. Jul 15, 2025Committee14500

    Senate Committee on Veterans' Affairs discharged by Unanimous Consent.

    Veterans' Affairs Committee
  12. May 20, 2025IntroReferral

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

    Veterans' Affairs Committee
  13. May 19, 2025FloorH38310

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

  14. May 19, 2025FloorH37300

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

  15. May 19, 2025Floor8000

    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)

  16. May 19, 2025FloorH8D000

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

  17. May 19, 2025FloorH30000

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

  18. May 19, 2025FloorH30300

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

  19. May 19, 2025CalendarsH12410

    Placed on the Union Calendar, Calendar No. 77.

  20. May 19, 2025CommitteeH12200

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

    Veterans' Affairs Committee
  21. May 19, 2025Committee5000

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

    Veterans' Affairs Committee
  22. May 6, 2025Committee

    Committee Consideration and Mark-up Session Held

    Veterans' Affairs Committee
  23. Apr 9, 2025Committee

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

    Economic Opportunity Subcommittee
  24. Apr 9, 2025Committee

    Subcommittee Consideration and Mark-up Session Held

    Economic Opportunity Subcommittee
  25. Mar 10, 2025Committee

    Subcommittee Hearings Held

    Economic Opportunity Subcommittee
  26. Mar 10, 2025Committee

    Referred to the Subcommittee on Economic Opportunity.

    Economic Opportunity Subcommittee
  27. Mar 3, 2025IntroReferralH11100

    Referred to the House Committee on Veterans' Affairs.

    Veterans' Affairs Committee
  28. Mar 3, 2025IntroReferralIntro-H

    Introduced in House

  29. Mar 3, 2025IntroReferral1000

    Introduced in House

Public LawJul 30, 202549

VA Home Loan Program Reform Act

This act authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program, establishes a partial claim program, and temporarily increases amounts authorized for transitional housing and supportive services for veterans who are experiencing homelessness.

First, the act 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 act establishes a five-year 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.

Further, 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.

Finally, the act temporarily increases the amounts authorized for the VA’s Grant and Per Diem program for FY2025 and FY2026. (The program provides funding to public or nonprofit private entities that provide housing and supportive services to veterans experiencing homelessness.)

Introduced in HouseMar 3, 2025

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.