S. 138 119th Congress Senate

VA Home Loan Awareness Act of 2025

Official title: A bill to require each enterprise to include on the Uniform Residential Loan Application a disclaimer to increase awareness of the direct and guaranteed home l… Show full official titleShow less

Official title: A bill to require each enterprise to include on the Uniform Residential Loan Application a disclaimer to increase awareness of the direct and guaranteed home loan programs of the Department of Veterans Affairs, and for other purposes.

Introduced: January 16, 2025 Introduced by: Tim Sheehy Republican · Montana See on congress.gov

Housing and Community Development Congressional oversightDepartment of Veterans AffairsGovernment lending and loan guaranteesGovernment studies and investigations

More subjectsShow fewer subjects

Housing finance and home ownershipVeterans' loans, housing, homeless programs

Everywhere this bill has been 2 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Jan 16, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Jan 16, 2025

Introduced in Senate

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What's happening now January 16, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Plain-English summary Congressional Research Service

VA Home Loan Awareness Act of 2025

This bill requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs Home Loan.

Not later than 18 months after the enactment of the bill, the Government Accountability Office must study and report on whether at least 80% of lenders using the loan application form have met this requirement.

Related & companion bills 2

Bill text 1 version

Introduced in Senate Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Banking, Housing, and Urban Affairs Committee
Senate

Lobbying activity 28

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

AMERICAN FIREARMS ASSOCIATION
for AMERICAN FIREARMS ASSOCIATION · Ohio · 3rd Quarter 2026 (July 1 - Sep 30)
THE SMITH-FREE GROUP, LLC
for HOUSING POLICY COUNCIL · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
FORBES-TATE
for BROKER ACTION COALITION · Pennsylvania · 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)
DISABLED AMERICAN VETERANS
for DISABLED AMERICAN VETERANS · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)

Bodies those filers lobbied

HOUSE OF REPRESENTATIVES
28 filings
SENATE
28 filings
Veterans Affairs, Dept of (VA)
12 filings
Defense, Dept of (DOD)
8 filings
Labor, Dept of (DOL)
8 filings
Office of Management & Budget (OMB)
8 filings
Small Business Administration (SBA)
8 filings
U.S. Postal Service (USPS)
8 filings

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.

See all 28 filings →

Cosponsors 26

Reed, Jack

Rhode Island · Feb 10, 2026

Risch, James E.

Idaho · Dec 18, 2025

Hassan, Margaret Wood

New Hampshire · Oct 20, 2025

Hickenlooper, John W.

Colorado · Sep 18, 2025

Kelly, Mark

Arizona · Sep 18, 2025

Ossoff, Jon

Georgia · Sep 10, 2025

Cortez Masto, Catherine

Nevada · Jul 30, 2025

Warner, Mark R.

Virginia · Jul 29, 2025

Gallego, Ruben

Arizona · Apr 2, 2025

Ricketts, Pete

Nebraska · Mar 6, 2025

Cassidy, Bill

Louisiana · Feb 3, 2025

Boozman, John

Arkansas · Jan 16, 2025

Budd, Ted

North Carolina · Jan 16, 2025

Cramer, Kevin

North Dakota · Jan 16, 2025

Cruz, Ted

Texas · Jan 16, 2025

Kennedy, John

Louisiana · Jan 16, 2025

Klobuchar, Amy

Minnesota · Jan 16, 2025

Moreno, Bernie

Ohio · Jan 16, 2025

Rosen, Jacky

Nevada · Jan 16, 2025

Sanders, Bernard

Vermont · Jan 16, 2025

Schmitt, Eric

Missouri · Jan 16, 2025

Tillis, Thomas

North Carolina · Jan 16, 2025

Van Hollen, Chris

Maryland · Jan 16, 2025

Warnock, Raphael G.

Georgia · Jan 16, 2025

Welch, Peter

Vermont · Jan 16, 2025

Whitehouse, Sheldon

Rhode Island · Jan 16, 2025

Cite this page click to expand

APA

U.S. Congress. (2026). S. 138: VA Home Loan Awareness Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-S-138/

MLA

"S. 138: VA Home Loan Awareness Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-138/.

Bluebook (legal)

S. 138, 119th Cong. (2026), https://openamerica.io/bill/119-S-138/.

Markdown link

[S. 138: VA Home Loan Awareness Act of 2025](https://openamerica.io/bill/119-S-138/)