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H.R. 1815 119th Congress House

VA Home Loan Program Reform Act

Official title: To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to take certain actions in the case of a default on a home loan guarantee… Show full official titleShow less

Official title: To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to take certain actions in the case of a default on a home loan guaranteed by the Secretary, and for other purposes.

Introduced: March 3, 2025 Introduced by: Derrick Van Orden Republican · Wisconsin See on congress.gov
Armed Forces and National Security Accounting and auditingCongressional oversightGovernment lending and loan guaranteesReal estate businessVeterans' loans, housing, homeless programs
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 Everywhere this bill has been 23 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 30, 2025
Signed by President.
Jul 30, 2025
Became Public Law No: 119-31.
Jul 18, 2025
Presented to President.
Jul 16, 2025
Message on Senate action sent to the House.
Jul 15, 2025
Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
Jul 15, 2025
Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Jul 15, 2025
Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
May 20, 2025
Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
May 19, 2025
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)
May 19, 2025
Mr. Bost moved to suspend the rules and pass the bill, as amended.
May 19, 2025
Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
May 19, 2025
DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
May 19, 2025
Considered under suspension of the rules. (consideration: CR H2126-2129)
May 19, 2025
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
May 19, 2025
Motion to reconsider laid on the table Agreed to without objection.
May 19, 2025
Placed on the Union Calendar, Calendar No. 77.
May 6, 2025
Committee Consideration and Mark-up Session Held
Apr 9, 2025
Subcommittee Consideration and Mark-up Session Held
Apr 9, 2025
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
Mar 10, 2025
Subcommittee Hearings Held
Mar 10, 2025
Referred to the Subcommittee on Economic Opportunity.
Mar 3, 2025
Referred to the House Committee on Veterans' Affairs.
Mar 3, 2025
Introduced in House
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 Latest action July 30, 2025

Became Public Law No: 119-31.

 Plain-English summary Congressional Research Service

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.)

 Hearings & markups 1
 Related & companion bills 1
  • HR 3013 Public law contains the text To amend title 38, United States Code, to increase the authorization of appropriations for comprehensive service progra…
 Bill text 6 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Lobbying activity 67

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

  • NATIONAL ASSOCIATION OF REALTORS
    for NATIONAL ASSOCIATION OF REALTORS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • PARALYZED VETERANS OF AMERICA
    for PARALYZED VETERANS OF AMERICA · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • DISABLED AMERICAN VETERANS
    for DISABLED AMERICAN VETERANS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • DISABLED AMERICAN VETERANS
    for DISABLED AMERICAN VETERANS · District of Columbia · 3rd Quarter 2025 (July 1 - Sep 30)
  • MR. ROBERT ZIMMER
    for MORTGAGE RESEARCH CENTER, LLC · Missouri · 2nd Quarter 2026 (Apr 1 - June 30)
  • MR. ROBERT ZIMMER
    for COMMUNITY HOME LENDERS OF AMERICA (FKA COMMUNITY MORTGAGE LENDERS OF AMERICA) · Missouri · 2nd Quarter 2026 (Apr 1 - June 30)

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

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Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1815: VA Home Loan Program Reform Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-1815/
MLA
"H.R. 1815: VA Home Loan Program Reform Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-1815/.
Bluebook (legal)
H.R. 1815, 119th Cong. (2026), https://openamerica.io/bill/119-HR-1815/.
Markdown link
[H.R. 1815: VA Home Loan Program Reform Act](https://openamerica.io/bill/119-HR-1815/)
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