# 119-hr-1815: VA Home Loan Program Reform Act

119-hr-1815, VA Home Loan Program Reform Act, is a 119th Congress bill sponsored by Rep. Van Orden, Derrick [R-WI-3] (R-WI); status became_law; PRIA reads it as touching household money (as of 2026-07-24).

- Canonical: https://policyrisk.com/legislation/119-hr-1815
- As of: 2026-07-24
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1815
- Congress: 119
- Title: VA Home Loan Program Reform Act
- Status: became_law
- Introduced: 2025-03-03
- Sponsor: Rep. Van Orden, Derrick [R-WI-3] (R-WI)
- Cosponsors: 0
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-07-24

## Summary

**Expanded VA loss-mitigation authority and a new Partial Claim Program** give the Secretary more power to prevent foreclosures on VA‑guaranteed home loans and add oversight and funding for veteran housing needs. The law also requires a report on how litigation affects veterans' access to real‑estate representation and adjusts rules for loan servicing. - Veterans and homeowners: Creates a Partial Claim option that lets the VA buy a portion of a defaulted loan to prevent foreclosure, generally capped at 25 percent of the unpaid principal and up to 30 percent for certain pandemic-era missed payments. This option is usually limited to one claim per loan and ends five years after enactment. - Loan holders and servicers: Establishes a mandatory loss‑mitigation sequence they must follow before a loan can be bought in full, permits VA payments to loan holders to resolve defaults, requires holder certifications, and allows random post‑payment audits. - Homeless veterans and VA programs: Authorizes funding for Comprehensive Service Programs for Homeless Veterans of $344 million for each of fiscal years 2025 and 2026 and $257.7 million per year through fiscal year 2030. *This law increases federal spending by authorizing those homelessness program funds and expanding VA's use of public funds for partial claims and loss‑mitigation actions.*

## Provisions PRIA read

- More funding for homeless veterans programs: benefit, high. The law authorizes $344 million for each of FY2025 and FY2026 for VA’s Comprehensive Service Programs for Homeless Veterans. It then authorizes $257.7 million for each year through FY2030. These are authorizations; Congress must still appropriate the money before VA can spend it.
- Partial claim relief for VA mortgages: mixed, high. If you have a VA‑guaranteed mortgage on your primary home that is in default or at risk, VA can step in. VA can make a one‑time partial‑claim payment to your servicer up to 25% of your unpaid balance. If you missed a payment between March 1, 2020 and May 1, 2025, the cap is 30%. The money first cov…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-6976: Duty Status Reform Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-4317: PBM Reform Act of 2025

## Sources
- [119-hr-1815 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1815)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-6976: Duty Status Reform Act](https://policyrisk.com/legislation/119-hr-6976)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1815 (as of 2026-07-24).