HR2362119th CongressWALLET

VA Home Loan Awareness Act of 2025

Sponsored By: Representative Rep. De La Cruz, Monica [R-TX-15]

Introduced

Summary

Boosts veteran awareness of VA home loan options. This bill would require the Uniform Residential Loan Application to include a disclaimer under the military service question saying 'If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.' It would also direct a Government Accountability Office study to determine whether fewer than 80 percent of lenders using the URLA have added the disclaimer within 18 months.

Show full summary
  • Veterans and military families: More applicants who report military service would see a direct prompt that they may qualify for a VA home loan when completing the URLA.
  • Enterprises and lenders: Each enterprise would be required to add the disclaimer on the URLA within six months through a regulation or order, affecting lenders that use the form.
  • Government oversight: The GAO would report within 18 months on whether under 80 percent of lenders have adopted the disclaimer.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

VA loan note on mortgage form

If enacted, this bill would require the Director to make enterprises add a VA loan disclaimer to the Uniform Residential Loan Application (URLA). The disclaimer must appear below the military service question. Exact text required: "If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility." Enterprises would have 6 months after enactment to add the note. The Comptroller General would study compliance and report to Congress within 18 months. The study would check whether fewer than 80 percent of lenders using the form added the note.

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Sponsors & CoSponsors

Sponsor

Rep. De La Cruz, Monica [R-TX-15]

TX • R

Cosponsors

  • Rep. Green, Al [D-TX-9]

    TX • D

    Sponsored 3/26/2025

  • Pfluger

    TX • R

    Sponsored 3/26/2025

  • Rep. Lawler, Michael [R-NY-17]

    NY • R

    Sponsored 3/26/2025

  • Gooden

    TX • R

    Sponsored 3/26/2025

  • Rep. Fitzpatrick, Brian K. [R-PA-1]

    PA • R

    Sponsored 3/26/2025

  • Crenshaw

    TX • R

    Sponsored 3/26/2025

  • Pettersen

    CO • D

    Sponsored 3/26/2025

  • Rep. Beatty, Joyce [D-OH-3]

    OH • D

    Sponsored 3/26/2025

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 3/26/2025

  • Harder (CA)

    CA • D

    Sponsored 3/26/2025

  • Rep. Ross, Deborah K. [D-NC-2]

    NC • D

    Sponsored 3/26/2025

  • Rutherford

    FL • R

    Sponsored 4/1/2025

  • Rep. Begich, Nicholas J. [R-AK-At Large]

    AK • R

    Sponsored 6/3/2025

  • Johnson (TX)

    TX • D

    Sponsored 7/16/2025

  • Vindman

    VA • D

    Sponsored 9/15/2025

  • Valadao

    CA • R

    Sponsored 11/4/2025

  • Rep. Pappas, Chris [D-NH-1]

    NH • D

    Sponsored 11/12/2025

  • Whitesides

    CA • D

    Sponsored 12/3/2025

  • Moore (NC)

    NC • R

    Sponsored 12/15/2025

  • Riley (NY)

    NY • D

    Sponsored 12/17/2025

  • Rep. Neguse, Joe [D-CO-2]

    CO • D

    Sponsored 12/18/2025

  • Goodlander

    NH • D

    Sponsored 2/24/2026

  • Sessions

    TX • R

    Sponsored 3/5/2026

  • Rep. Bera, Ami [D-CA-6]

    CA • D

    Sponsored 3/24/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov

Live Policy Activity

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Live · 5h ago15,853Bills1,439Wiki4 signals surfaced
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Moving· 6 days in stage

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Cmte Reported
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