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HR 1815 119th Congress House Armed Forces and National Security Accounting and auditing Congressional oversight Government lending and loan guarantees Real estate business Veterans' loans, housing, homeless programs

VA Home Loan Program Reform Act

Introduced: March 3, 2025 Introduced by: Van Orden, Derrick Republican · Wisconsin See on congress.gov
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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
Became Public Law No: 119-31.
Jul 30, 2025
Signed by President.
Jul 18, 2025
Presented to President.
Jul 16, 2025
Message on Senate action sent to the House.
Jul 15, 2025
Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
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.
May 20, 2025
Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
May 19, 2025
Placed on the Union Calendar, Calendar No. 77.
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
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 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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 Plain-English summary Congressional Research Service

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 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.

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.

What's happening now July 30, 2025

Became Public Law No: 119-31.

 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 57

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

  • MR. ROBERT ZIMMER
    for MORTGAGE RESEARCH CENTER, LLC · Missouri · 1st Quarter (Jan 1 - Mar 31) 2026
  • MR. ROBERT ZIMMER
    for COMMUNITY HOME LENDERS OF AMERICA (FKA COMMUNITY MORTGAGE LENDERS OF AMERICA) · Missouri · 1st Quarter (Jan 1 - Mar 31) 2026
  • FLEET RESERVE ASSOCIATION
    for FLEET RESERVE ASSOCIATION · Virginia · 1st Quarter (Jan 1 - Mar 31) 2026
  • MORTGAGE BANKERS ASSOCIATION
    for MORTGAGE BANKERS ASSOCIATION · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
  • NATIONAL ASSOCIATION OF REALTORS
    for NATIONAL ASSOCIATION OF REALTORS · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
  • HOUSING POLICY COUNCIL
    for HOUSING POLICY COUNCIL · District of Columbia · 1st Quarter (Jan 1 - Mar 31) 2026
See all 57 filings →
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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