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Version 49 · 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.
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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.)
People & committees
Rep. Van Orden, Derrick [R-WI-3] · R–WI
Legislative record
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Became Public Law No: 119-31.
Became Public Law No: 119-31.
Signed by President.
Signed by President.
Presented to President.
Presented to President.
Message on Senate action sent to the House.
Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
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)
DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
Considered under suspension of the rules. (consideration: CR H2126-2129)
Mr. Bost moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 77.
Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
Committee Consideration and Mark-up Session Held
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
Subcommittee Consideration and Mark-up Session Held
Subcommittee Hearings Held
Referred to the Subcommittee on Economic Opportunity.
Referred to the House Committee on Veterans' Affairs.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Jul 22, 2026. Consult Congress.gov for the current record.
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