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H. R. 2791 To amend title 38, United States Code, to increase the maximum amount of housing loan guaranty entitlement available to certain veterans under the laws administered by the Secretary of Veterans Affairs.
Summary
The bill increases the maximum housing loan guaranty entitlement available to veterans under the Department of Veterans Affairs from 25 percent of the Freddie Mac conforming loan limit to 37.5 percent. The bill also adjusts the loan fees for VA interest rate reduction refinancing loans (IRRRLs) over several time periods, with rates ranging from 0.25 percent to 0.75 percent depending on the loan closing date. Specifically, a reduced fee of 0.25 percent applies to loans closed between December 31, 2025 and December 31, 2027. These changes are intended to expand housing lending options for veterans through the VA loan guaranty program.
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)
- Rep. Miller, Max L. [R-OH-7] (R-OH)
Actions (9)
- Sep 18, 2025 Placed on the Union Calendar, Calendar No. 257. · house
- Sep 18, 2025 Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-303. · house
- Jul 23, 2025 Ordered to be Reported (Amended) by Voice Vote. · house
- Jul 23, 2025 Committee Consideration and Mark-up Session Held · house
- Jul 3, 2025 Subcommittee on Economic Opportunity Discharged · house
- Jun 11, 2025 Subcommittee Hearings Held · house
- May 8, 2025 Referred to the Subcommittee on Economic Opportunity. · house
- Apr 9, 2025 Referred to the House Committee on Veterans' Affairs. · house
- Apr 9, 2025 Introduced in House
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Similar bills (6)
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Text versions (2)
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Full text
IN THE HOUSE OF REPRESENTATIVES
April 9, 2025
Mr. Miller of Ohio introduced the following bill; which was referred to the Committee on Veterans’ Affairs
September 18, 2025
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on April 9, 2025]
A BILL
To amend title 38, United States Code, to increase the maximum amount of housing loan guaranty entitlement available to certain veterans under the laws administered by the Secretary of Veterans Affairs.
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 “Homes for Heroes Act”.
SEC. 2. INCREASE TO MAXIMUM AMOUNT OF HOUSING LOAN GUARANTY ENTITLEMENT AVAILABLE TO CERTAIN VETERANS.
Clause (ii) of section 3703(a)(1)(C) of title 38, United States Code, is amended by striking “25 percent of the Freddie Mac conforming loan limit” and inserting “37.5 percent of the Freddie Mac conforming loan limit”.
SEC. 3. ADJUSTMENT OF FEES FOR INTEREST RATE REDUCTION REFINANCING HOUSING LOANS GUARANTEED INSURED, OR MADE BY THE SECRETARY OF VETERANS AFFAIRS.
The loan fee table in section 3729(b)(2) of title 38, United States Code, is amended by striking the row in subparagraph (E) (relating to interest rate reduction refinancing loans) and inserting the following:
“(E)(i) Interest rate reduction refinancing loan 0.50 0.50 0.50 (closed on or after August 1, 2025, and before December 31, 2025)
(E)(ii) Interest rate reduction refinancing loan 0.25 0.25 0.25 (closed on or after December 31, 2025, and before December 31, 2027)
(E)(iii) Interest rate reduction refinancing loan 0.50 0.50 0.50 (closed on or after December 31, 2027, and before October 1, 2031)
(E)(iv) Interest rate reduction refinancing loan 0.75 0.75 0.75 (closed on or after October 1, 2031, and before December 31, 2035)
(E)(v) Interest rate reduction refinancing loan 0.50 0.50 0.50”. (closed on or after December 31, 2035)
Union Calendar No. 257
119th CONGRESS
1st Session
H. R. 2791
[Report No. 119-303]
A BILL
To amend title 38, United States Code, to increase the maximum amount of housing loan guaranty entitlement available to certain veterans under the laws administered by the Secretary of Veterans Affairs.
September 18, 2025
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed
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