S. 138: VA Home Loan Awareness Act of 2025
A Senate bill (S.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | Senate bill (S.) |
| Originating chamber | Senate |
| Introduced | 2025-01-16 |
| Sponsor | Sen. Sheehy, Tim [R-MT] |
| Policy area | Housing and Community Development |
| Cosponsors | 20 |
| Latest action | 2025-01-16 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2026-07-21 |
Summary
Official summary (Introduced in Senate, 2025-01-16):
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.
Cosponsors (20)
| Name | Party / state |
|---|---|
| Chris Van Hollen | D MD (original cosponsor) 2025-01-16 |
| Ted Cruz | R TX (original cosponsor) 2025-01-16 |
| Raphael G. Warnock | D GA (original cosponsor) 2025-01-16 |
| Ted Budd | R NC (original cosponsor) 2025-01-16 |
| Sheldon Whitehouse | D RI (original cosponsor) 2025-01-16 |
| John Boozman | R AR (original cosponsor) 2025-01-16 |
| Bernard Sanders | I VT (original cosponsor) 2025-01-16 |
| Kevin Cramer | R ND (original cosponsor) 2025-01-16 |
| Peter Welch | D VT (original cosponsor) 2025-01-16 |
| Eric Schmitt | R MO (original cosponsor) 2025-01-16 |
| John Kennedy | R LA (original cosponsor) 2025-01-16 |
| Thom Tillis | R NC (original cosponsor) 2025-01-16 |
| Bernie Moreno | R OH (original cosponsor) 2025-01-16 |
| Jacky Rosen | D NV (original cosponsor) 2025-01-16 |
| Amy Klobuchar | D MN (original cosponsor) 2025-01-16 |
| Bill Cassidy | R LA 2025-02-03 |
| Pete Ricketts | R NE 2025-03-06 |
| Ruben Gallego | D AZ 2025-04-02 |
| Mark R. Warner | D VA 2025-07-29 |
| Catherine Cortez Masto | D NV 2025-07-30 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for S. 138 are published by Congress on congress.gov.
Frequently asked questions
What is S. 138?
S. 138 is a Senate bill (S.) introduced in the 119th U.S. Congress, originating in the Senate. Official title: VA Home Loan Awareness Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for S. 138 are available on congress.gov.
Bill data: congress.gov API (official congressional records).