H.R. 1815: VA Home Loan Program Reform Act
A House bill (H.R.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | House bill (H.R.) |
| Originating chamber | House |
| Introduced | 2025-03-03 |
| Sponsor | Rep. Van Orden, Derrick [R-WI-3] |
| Policy area | Armed Forces and National Security |
| Cosponsors | 0 |
| Latest action | 2025-07-30 — Became Public Law No: 119-31. |
| Last updated | 2026-07-22 |
Summary
Official summary (Introduced in House, 2025-03-03):
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 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.
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for H.R. 1815 are published by Congress on congress.gov.
View H.R. 1815 on congress.gov →
Frequently asked questions
What is H.R. 1815?
H.R. 1815 is a House bill (H.R.) introduced in the 119th U.S. Congress, originating in the House. Official title: VA Home Loan Program Reform Act.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for H.R. 1815 are available on congress.gov.
Bill data: congress.gov API (official congressional records).