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VA Home Loan Awareness Act of 2025
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.
Summary
This bill requires mortgage lenders to include a disclaimer on the Uniform Residential Loan Application informing military veterans that they may qualify for a VA Home Loan. The disclaimer must appear below the military service question and direct veterans to consult with their lender about eligibility. The Director of the enterprises must issue this requirement within six months of the bill's enactment. The bill also directs the Government Accountability Office to study whether at least 80 percent of lenders are complying with the disclaimer requirement within 18 months.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
25 cosponsors
- Rep. Beatty, Joyce [D-OH-3] (D-OH)
- Rep. Begich, Nicholas J. [R-AK-At Large] (R-AK)
- Rep. Bera, Ami [D-CA-6] (D-CA)
- Rep. Crenshaw, Dan [R-TX-2] (R-TX)
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA)
- Rep. Gooden, Lance [R-TX-5] (R-TX)
- Rep. Goodlander, Maggie [D-NH-2] (D-NH)
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ)
- Rep. Green, Al [D-TX-9] (D-TX)
- Rep. Harder, Josh [D-CA-9] (D-CA)
- Rep. Johnson, Julie [D-TX-32] (D-TX)
- Rep. Lawler, Michael [R-NY-17] (R-NY)
- Rep. Moore, Tim [R-NC-14] (R-NC)
- Rep. Neguse, Joe [D-CO-2] (D-CO)
- Rep. Pappas, Chris [D-NH-1] (D-NH)
- Rep. Pettersen, Brittany [D-CO-7] (D-CO)
- Rep. Pfluger, August [R-TX-11] (R-TX)
- Rep. Riley, Josh [D-NY-19] (D-NY)
- Rep. Ross, Deborah K. [D-NC-2] (D-NC)
- Rep. Rutherford, John H. [R-FL-5] (R-FL)
- Rep. Schrier, Kim [D-WA-8] (D-WA)
- Rep. Sessions, Pete [R-TX-17] (R-TX)
- Rep. Valadao, David G. [R-CA-22] (R-CA)
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
- Rep. Whitesides, George [D-CA-27] (D-CA)
Money behind the sponsor
Top reported contributors to Monica De La Cruz’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- SELF EMPLOYED $88,998
- NULL $50,988
- RIO FRESH INC $14,200
- ELLIOTT INVESTMENT MANAGEMENT $13,200
- BRODIE GENERATIONAL CAPITAL PARTNERS $13,200
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Monica De La Cruz → · Outside spending →
Actions (2)
- Mar 26, 2025 Referred to the House Committee on Financial Services. · house
- Mar 26, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
March 26, 2025
Ms. De La Cruz (for herself, Mr. Green of Texas, Mr. Pfluger, Mr. Lawler, Mr. Gooden, Mr. Fitzpatrick, Mr. Crenshaw, Ms. Pettersen, Mrs. Beatty, Mr. Gottheimer, Mr. Harder of California, and Ms. Ross) introduced the following bill; which was referred to the Committee on Financial Services
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.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “VA Home Loan Awareness Act of 2025”.
SEC. 2. MILITARY SERVICE QUESTION.
(a) In General.—Subpart A of part 2 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4541 et seq.) is amended by adding at the end the following:
“SEC. 1329. UNIFORM RESIDENTIAL LOAN APPLICATION.
“Not later than 6 months after the date of enactment of this section, the Director shall, by regulation or order, require each enterprise to include a disclaimer below the military service question on the form known as the Uniform Residential Loan Application stating, ‘If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.’.”.
(b) GAO Study.—Not later than 18 months after the date of enactment of this Act, the Comptroller General of the United States shall conduct a study and submit to Congress a report on whether or not less than 80 percent of lenders using the Uniform Residential Loan Application have included on that form the disclaimer required under section 1329 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as added by subsection (a). <all>
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