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119-hr-1814119th CongressWALLET

Restoring the VA Home Loan Program in Perpetuity Act of 2025

Sponsored By: Representative Van Orden, Derrick [R-WI-3]

In Committee

Summary

Would cap VA loan purchases at 250 loans per fiscal year. The measure ties VA purchase authority to that cap and pushes the Department of Veterans Affairs to plan sales of acquired loans to non‑government buyers as part of restoring the VA Home Loan Program framework.

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  • VA administrators would be limited to acquiring no more than 250 loans in any single fiscal year, by adding a new subsection to 38 U.S.C. 3732(a)(2). This also makes related purchase language in 38 U.S.C. 3720(a)(5) subject to the same cap.
  • For loans acquired on or after May 31, 2024, the VA would have 180 days after enactment to report to the House and Senate Veterans’ Affairs Committees with a plan to sell each such loan to a non‑government entity.
  • The bill establishes a government‑to‑private sale trajectory intended to restore and perpetuate the VA Home Loan Program policy framework.

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Bill Overview

Analyzed Economic Effects

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

Limit on VA buying home loans

If enacted, the VA would be limited to buying 250 loans each fiscal year under its loan-purchase program. Purchases under related authority would also have to follow this 250-loan cap. This could reduce the chance the VA buys your VA-backed mortgage. The bill would also require a plan due in 180 days. It would cover selling to private buyers any loans the VA acquired on or after May 31, 2024.

Sponsors & CoSponsors

Sponsor

Van Orden, Derrick [R-WI-3]

WI • R

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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