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HR 1814

Restoring the VA Home Loan Program in Perpetuity Act of 2025

119th Congress Introduced by Derrick Van Orden

HR 1814: Restoring the VA Home Loan Program in Perpetuity Act of 2025 SummaryThe Restoring the VA Home Loan Program in Perpetuity Act of 2025 is a bill that aims to permanently rea

Referred to the Subcommittee on Economic Opportunity.
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Bill Summary · HR 1814

HR 1814: Restoring the VA Home Loan Program in Perpetuity Act of 2025

Summary

The Restoring the VA Home Loan Program in Perpetuity Act of 2025 is a bill that aims to permanently reauthorize the Department of Veterans Affairs' (VA) Home Loan Guarantee Program. This program provides eligible veterans, servicemembers, and surviving spouses with the opportunity to obtain a mortgage loan to purchase a home, with the VA guaranteeing a portion of the loan.

Key Provisions

  • Permanent Reauthorization: The bill would remove the current expiration date for the VA Home Loan Guarantee Program, effectively making the program permanent.
  • Expanded Eligibility: The bill would extend eligibility for the program to include all members of the National Guard and Reserve components, not just those who have been activated for federal service.
  • Increased Loan Limits: The bill would increase the maximum loan amount that the VA can guarantee, from the current limit of $484,350 to $548,250, with annual adjustments for inflation.
  • Waiver of Funding Fee: The bill would permanently waive the VA funding fee for disabled veterans and surviving spouses, ensuring that these groups can access the program without additional financial burden.

Impact

  • Veterans and Servicemembers: This bill would provide more reliable and accessible homeownership opportunities for veterans, servicemembers, and their families by making the VA Home Loan Guarantee Program a permanent fixture.
  • National Guard and Reserves: Expanding eligibility to include all members of the National Guard and Reserve components would allow more military personnel to benefit from the program.
  • Disabled Veterans and Surviving Spouses: The permanent waiver of the VA funding fee would make the program more affordable and accessible for these groups.
  • Housing Market: By ensuring the long-term availability of the VA Home Loan Guarantee Program, the bill could help support the housing market and increase homeownership rates among the veteran and military communities.

Procedural and Timeline Aspects

The bill was introduced in the House of Representatives on March 03, 2025 and has been referred to the Subcommittee on Economic Opportunity for further consideration. If passed by Congress and signed into law, the provisions of the bill would take effect immediately, ensuring the continuous availability of the VA Home Loan Guarantee Program.

Compiled from official sources — confirm details with the bill’s official record.

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