S 138119th CongressIntroduced

VA Home Loan Awareness Act of 2025

Introduced: Oct 29, 2025

Financial ServicesHousing & Urban DevelopmentVeterans Affairs

Standard Summary

Comprehensive overview in 1-2 paragraphs

The VA Home Loan Awareness Act of 2025 mandates inclusion of a specific disclaimer below the military service question on the Uniform Residential Loan Application to inform veterans about VA home loan eligibility, requiring regulatory implementation within six months and a GAO compliance study within eighteen months to verify lender adherence.

Key Points

1Requires lenders to add a standardized disclaimer on mortgage applications stating veterans may qualify for VA home loans and should consult lenders about eligibility.
2Mandates the Director to issue regulations within six months compelling enterprises to implement the disclaimer on the Uniform Residential Loan Application form.
3Directs the Comptroller General to conduct an 18-month study assessing whether at least 80 percent of lenders comply with the new disclaimer requirement.

Impact Areas

veteran homebuyers seeking mortgage financingmortgage lenders and financial institutions processing loan applicationsDepartment of Veterans Affairs loan program participation ratesfederal housing enterprise regulatory compliance

Generated by legislative-analyst-v3 on Nov 2, 2025