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Refinancing Relief for Veterans Act
To amend title 38, United States Code, to adjust fees for interest rate reduction refinancing housing loans guaranteed, insured, or made by the Secretary of Veterans Affairs.
Summary
This bill would adjust the fees charged to veterans for interest rate reduction refinancing loans guaranteed, insured, or made by the Department of Veterans Affairs. The bill establishes a tiered fee schedule with different loan origination fees depending on when the loan is closed: 0.50 percent for loans closed August 1, 2025 through December 31, 2025; 0.25 percent for loans closed January 1, 2026 through December 31, 2027; 0.50 percent for loans closed January 1, 2028 through December 31, 2032; 0.75 percent for loans closed January 1, 2033 through December 31, 2035; and 0.50 percent for loans closed after December 31, 2035. The bill creates a temporary period of reduced fees in 2026 and 2027 to provide refinancing relief to veterans.
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)
Actions (4)
- Jun 23, 2025 Referred to the Subcommittee on Economic Opportunity. · house
- Jun 11, 2025 Hearings Held by the Subcommittee on Economic Opportunity Prior to Referral. · house
- May 14, 2025 Referred to the House Committee on Veterans' Affairs. · house
- May 14, 2025 Introduced in House
More bills on these subjects (8)
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Similar bills (6)
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Text versions (1)
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Full text
IN THE HOUSE OF REPRESENTATIVES
May 14, 2025
Mr. Van Orden introduced the following bill; which was referred to the Committee on Veterans’ Affairs
A BILL
To amend title 38, United States Code, to adjust fees for interest rate reduction refinancing housing loans guaranteed, insured, or made 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 “Refinancing Relief for Veterans Act”.
SEC. 2. 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 December 31, 2032)
(E)(iv) Interest rate reduction refinancing loan 0.75 0.75 0.75 (closed on or after December 31, 2032, 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)
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