VALID Act of 2025
Sponsored By: Representative Pettersen
Introduced
Summary
Better visibility of VA loan terms in FHA disclosures. This bill would require FHA borrower disclosures to include information about VA home loans and would add a military service question to the Uniform Residential Loan Application.
Show full summary
- Prospective borrowers, including veterans: Would see VA home loan information in the Informed Consumer Choice Disclosure when weighing FHA options, including a note that prevailing interest rates may apply to VA-guaranteed loans.
- Military applicants and households: Each enterprise would add a military service question to the URLA and place it above the signature line, standardizing how service data is collected across mortgage applicants.
- Lenders and regulators: The Federal Housing Finance Agency Director would have 6 months to issue a rule to implement the URLA change. The bill also clarifies that original lenders are not required to determine borrower eligibility for loans mentioned in the disclosure.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More VA loan info for homebuyers
If enacted, federal mortgage disclosures for FHA loans would add a line showing VA loan terms at current rates. This would take effect upon enactment, and lenders would not have to decide if a buyer qualifies for a VA loan. No later than 6 months after enactment, the standard mortgage application would add a military service question above the signature line. The Federal Housing Finance Agency would issue a rule to require this change. These steps could help veterans compare options and get flagged for VA loan programs.
Sponsors & CoSponsors
Sponsor
Pettersen
CO • D
Cosponsors
Hageman
WY • R
Sponsored 6/3/2025
Williams (GA)
GA • D
Sponsored 6/3/2025
Kim
CA • R
Sponsored 6/3/2025
Fitzpatrick
PA • R
Sponsored 6/11/2025
Schneider
IL • D
Sponsored 6/17/2025
Moolenaar
MI • R
Sponsored 6/17/2025
Schakowsky
IL • D
Sponsored 6/17/2025
Newhouse
WA • R
Sponsored 6/17/2025
Strickland
WA • D
Sponsored 6/17/2025
Thompson (MS)
MS • D
Sponsored 6/17/2025
Khanna
CA • D
Sponsored 6/17/2025
Thanedar
MI • D
Sponsored 6/17/2025
Titus
NV • D
Sponsored 6/23/2025
Krishnamoorthi
IL • D
Sponsored 6/23/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 6/23/2025
Casten
IL • D
Sponsored 6/23/2025
Cohen
TN • D
Sponsored 6/23/2025
Costa
CA • D
Sponsored 6/23/2025
Jackson (IL)
IL • D
Sponsored 6/23/2025
Lieu
CA • D
Sponsored 6/23/2025
Moulton
MA • D
Sponsored 6/23/2025
Gosar
AZ • R
Sponsored 6/23/2025
Garcia (TX)
TX • D
Sponsored 6/23/2025
Davis (IL)
IL • D
Sponsored 6/23/2025
Tonko
NY • D
Sponsored 6/23/2025
Craig
MN • D
Sponsored 6/23/2025
Timmons
SC • R
Sponsored 6/24/2025
Salinas
OR • D
Sponsored 6/24/2025
Auchincloss
MA • D
Sponsored 6/24/2025
Castro (TX)
TX • D
Sponsored 6/24/2025
Kelly (IL)
IL • D
Sponsored 6/25/2025
Neguse
CO • D
Sponsored 6/25/2025
McBride
DE • D
Sponsored 6/25/2025
Smith (WA)
WA • D
Sponsored 6/26/2025
Lawler
NY • R
Sponsored 6/26/2025
Begich
AK • R
Sponsored 6/26/2025
Finstad
MN • R
Sponsored 6/27/2025
Bergman
MI • R
Sponsored 6/30/2025
Tlaib
MI • D
Sponsored 6/30/2025
Schrier
WA • D
Sponsored 6/30/2025
Davis (NC)
NC • D
Sponsored 7/2/2025
Nehls
TX • R
Sponsored 7/10/2025
Carson
IN • D
Sponsored 7/10/2025
Ross
NC • D
Sponsored 7/16/2025
Wittman
VA • R
Sponsored 7/22/2025
Rutherford
FL • R
Sponsored 7/23/2025
Simon
CA • D
Sponsored 7/29/2025
Garcia (IL)
IL • D
Sponsored 7/29/2025
Rescom. Hernández, Pablo Jose [D-PR-At Large]
PR • D
Sponsored 7/29/2025
Fleischmann
TN • R
Sponsored 9/2/2025
Gonzalez, V.
TX • D
Sponsored 9/2/2025
Turner (OH)
OH • R
Sponsored 9/3/2025
Larsen (WA)
WA • D
Sponsored 9/8/2025
Baird
IN • R
Sponsored 9/8/2025
Goodlander
NH • D
Sponsored 9/26/2025
Hayes
CT • D
Sponsored 9/26/2025
LaLota
NY • R
Sponsored 10/3/2025
Pappas
NH • D
Sponsored 10/3/2025
Nunn (IA)
IA • R
Sponsored 10/6/2025
Evans (CO)
CO • R
Sponsored 10/6/2025
Franklin, Scott
FL • R
Sponsored 10/10/2025
Subramanyam
VA • D
Sponsored 10/10/2025
Panetta
CA • D
Sponsored 10/10/2025
Womack
AR • R
Sponsored 10/21/2025
Harder (CA)
CA • D
Sponsored 10/24/2025
Torres (CA)
CA • D
Sponsored 10/24/2025
Mills
FL • R
Sponsored 10/24/2025
Valadao
CA • R
Sponsored 10/24/2025
Luttrell
TX • R
Sponsored 10/24/2025
Bera
CA • D
Sponsored 10/28/2025
Randall
WA • D
Sponsored 11/7/2025
Carter (TX)
TX • R
Sponsored 11/7/2025
Obernolte
CA • R
Sponsored 11/7/2025
Salazar
FL • R
Sponsored 11/7/2025
Lynch
MA • D
Sponsored 11/7/2025
Norcross
NJ • D
Sponsored 11/12/2025
Letlow
LA • R
Sponsored 11/17/2025
Horsford
NV • D
Sponsored 11/17/2025
Cline
VA • R
Sponsored 12/12/2025
Case
HI • D
Sponsored 12/16/2025
Bresnahan
PA • R
Sponsored 12/18/2025
Kiggans (VA)
VA • R
Sponsored 1/8/2026
Suozzi
NY • D
Sponsored 1/21/2026
Sorensen
IL • D
Sponsored 1/22/2026
Loudermilk
GA • R
Sponsored 2/3/2026
Luna
FL • R
Sponsored 3/25/2026
Roll Call Votes
No roll call votes available for this bill.
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