# 119-hr-2791: Homes for Heroes Act

119-hr-2791, Homes for Heroes Act, is a 119th Congress bill sponsored by Rep. Miller, Max L. [R-OH-7] (R-OH); status in_committee; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2791
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2791
- Congress: 119
- Title: Homes for Heroes Act
- Status: in_committee
- Introduced: 2025-04-09
- Sponsor: Rep. Miller, Max L. [R-OH-7] (R-OH)
- Cosponsors: 0
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Boosts VA loan guarantees and sets phased refinancing fees.** This bill would increase how much of a home loan the Department of Veterans Affairs can guarantee for certain veterans and create a time‑phased fee schedule for Interest Rate Reduction Refinancing Loans.

## Provisions PRIA read

- Bigger VA home loan guaranty for veterans: benefit, high. If enacted, eligible veterans could get a larger VA guaranty on a home loan. The cap would rise from 25% to 37.5% of the Freddie Mac conforming loan limit. This could lower down payment needs or help qualify for a larger loan. It would apply to the subgroup covered by clause (ii) of the VA rule and…
- Changing fees for VA mortgage refinances: mixed, medium. If enacted, veterans who use a VA Interest Rate Reduction Refinancing Loan would pay a one-time fee tied to the closing date. The fee equals a set percent of the loan amount. Loans closed on or after August 1, 2025 and before December 31, 2025: 0.50%. Loans closed on or after December 31, 2025 and…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-3816: Weather Act Reauthorization Act of 2025
- 119-hr-5089: Weather Act Reauthorization Act of 2025
- 119-hr-137: TCJA Permanency Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-2570: Maximum Pressure Act

## Sources
- [119-hr-2791 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2791)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-3816: Weather Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-hr-3816)
- [119-hr-5089: Weather Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-hr-5089)
- [119-hr-137: TCJA Permanency Act](https://policyrisk.com/legislation/119-hr-137)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2791 (as of 2026-04-21).