# 119-hr-10590: Veteran Owner-Builders Rights Act

119-hr-10590, Veteran Owner-Builders Rights Act, is a 119th Congress bill sponsored by Rep. Perez, Marie Gluesenkamp [D-WA-3] (D-WA); status in_committee; PRIA reads it as touching household money (as of 2026-10-30).

- Canonical: https://policyrisk.com/legislation/119-hr-10590
- As of: 2026-10-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10590
- Congress: 119
- Title: Veteran Owner-Builders Rights Act
- Status: in_committee
- Introduced: 2026-09-24
- Sponsor: Rep. Perez, Marie Gluesenkamp [D-WA-3] (D-WA)
- Cosponsors: 1
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-10-30

## Summary

**This bill would create a five-year VA pilot to provide direct, low-rate construction loans to rural veterans to buy land and build homes they will occupy.** It links loans to strict underwriting, a 24-month occupancy rule, a domestic-lumber preference, and fast-tracked local permitting to speed construction and support rural homeownership. - Veterans and households: Would let eligible rural veterans get VA loans for land purchase and home construction at about 1 percent interest, subject to underwriting and a requirement to occupy the home for 24 months. - Local governments and permitting: Projects using supplied blueprints must get a construction permit within 45 days, with the Secretary covering the permit fee to speed approvals. - Builders and materials supply: Construction must use domestic lumber for all structural framing and domestically sourced or made wood products for non-structural parts to the maximum extent practicable. - Federal program rules and administration: The pilot would run for five years, require furnished blueprints and technical assistance, and updates a VA loan-fee date in law. *Would increase federal spending by $5.0 million in FY2027 to fund the pilot.*

## Cosponsors (1)

- Rep. Westerman, Bruce [R-AR-4] (R-AR), 2026-09-24T00:00:00.000Z

## Provisions PRIA read

- Low-interest rural home loans for veterans: mixed, high. If enacted, VA would start a five-year pilot to make direct loans so veterans can buy land in a rural area and build a home. You would be able to get a loan with a 1 percent interest rate if you meet underwriting rules for income, credit, property suitability, and loan value limits. The bill would…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-10906: Strong American Wood Act
- 119-hr-6766: Essential Caregivers Act of 2025
- 119-hr-2548: Sanctioning Russia Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-10590 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10590)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-10906: Strong American Wood Act](https://policyrisk.com/legislation/119-hr-10906)
- [119-hr-6766: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-hr-6766)
- [119-hr-2548: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-hr-2548)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10590 (as of 2026-10-30).