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Pub. L. 119-31 · H.R. 1815 · 119th Congress

VA Home Loan Program Reform Act

Signed into law Jul 30, 2025 · Armed Forces and National Security

Read the law Congress.gov record

What this law does

  • Allows the VA to pay a lender the amount needed to avoid foreclosure on a VA-backed home loan, in exchange for a secured interest.
  • Requires the VA to set steps to help prevent foreclosure before taking certain actions on a loan.
  • Creates a five-year program for the VA to buy part of the debt on VA loans in or near default.
  • Increases funding for FY2025 and FY2026 for the VA program that houses and supports homeless veterans.
  • Requires a report on making sure VA homebuyers are not disadvantaged in getting a real estate agent.
2 subjects in this law: VA home loansHomeless veterans housing

The U.S. Constitution does not limit a bill to one subject, so a single law can carry several separate measures. Lawmakers vote yes or no on the whole package.

Plain-language list by Voting On, based only on the official summary by the nonpartisan Congressional Research Service and the bill's titles. Read the official summary.

How it became law

  1. IntroducedMar 3, 2025 · House
  2. 77 daysPassed HouseMay 19, 2025
  3. 57 daysPassed SenateJul 15, 2025
  4. 3 daysPresented to the PresidentJul 18, 2025
  5. 12 daysSigned into lawJul 30, 2025
149days, introduction to signature
77days to pass the House
57more days to pass the Senate
Nowent back to a chamber after changes
Novetoed

Official summary

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.)

Summary by the nonpartisan Congressional Research Service (Public Law, Jul 30, 2025).

Who wrote it

Sponsor: Rep. Van Orden, Derrick [R-WI-3]

0 cosponsors. 0 signed on the day it was introduced.

Recorded votes

No recorded roll-call votes. It passed by voice vote or unanimous consent, where individual votes are not recorded.

What was added

Amendments adopted (0)

No floor amendments were adopted. Any changes were made in committee or in a later version of the bill.

Sections in the final law that were not in the first version (Introduced in House) (1)

  • 5. Increase of authorization of appropriations for comprehensive service programs for homeless veterans

What was removed

Sections in the first version (Introduced in House) that did not make it into the law (0)

None. Every section heading from the first version (Introduced in House) remains in the law.

Compared by section heading between the Introduced in House text (Mar 3, 2025) and the Enrolled Bill text, both from GovInfo. Wording changes inside a section that kept its heading are not shown here; see the amendments and the text versions.

Proposed but not adopted

No amendments were voted down or withdrawn.

Full action history

Show all 29 official actions
Jul 30, 2025Signed by President.
Jul 30, 2025Signed by President.
Jul 30, 2025Became Public Law No: 119-31.
Jul 30, 2025Became Public Law No: 119-31.
Jul 18, 2025Presented to President.
Jul 18, 2025Presented to President.
Jul 16, 2025Message on Senate action sent to the House.
Jul 15, 2025Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Jul 15, 2025Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Jul 15, 2025Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
Jul 15, 2025Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
May 20, 2025Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
May 19, 2025Motion to reconsider laid on the table Agreed to without objection.
May 19, 2025Passed/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, 2025On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
May 19, 2025DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
May 19, 2025Considered under suspension of the rules. (consideration: CR H2126-2129)
May 19, 2025Mr. Bost moved to suspend the rules and pass the bill, as amended.
May 19, 2025Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
May 19, 2025Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
May 19, 2025Placed on the Union Calendar, Calendar No. 77.
May 6, 2025Committee Consideration and Mark-up Session Held
Apr 9, 2025Subcommittee Consideration and Mark-up Session Held
Apr 9, 2025Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
Mar 10, 2025Referred to the Subcommittee on Economic Opportunity.
Mar 10, 2025Subcommittee Hearings Held
Mar 3, 2025Introduced in House
Mar 3, 2025Introduced in House
Mar 3, 2025Referred to the House Committee on Veterans' Affairs.

Sources: Congress.gov (bill record, sponsors, actions, amendments, CRS summary) and GovInfo (official text). Days are calendar days.