# 119-hr-3384: Refinancing Relief for Veterans Act

119-hr-3384, Refinancing Relief for Veterans Act, is a 119th Congress bill sponsored by Rep. Van Orden, Derrick [R-WI-3] (R-WI); status in_committee; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3384
- 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-3384
- Congress: 119
- Title: Refinancing Relief for Veterans Act
- Status: in_committee
- Introduced: 2025-05-14
- 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: 2026-04-21

## Summary

**A tiered, date-based fee schedule for VA interest rate reduction refinancing loans** would replace the current fixed fee and set different upfront fees depending on when a loan closes. It creates five closing-date windows that set fees at 0.50% for loans closed Aug 1–Dec 30, 2025; 0.25% for loans closed Dec 31, 2025–Dec 30, 2027; 0.50% for Dec 31, 2027–Dec 30, 2032; 0.75% for Dec 31, 2032–Dec 30, 2035; and 0.50% for loans closed on or after Dec 31, 2035. - Veterans refinancing VA-backed mortgages would face closing-date dependent upfront fees, including a lower 0.25% fee in the Dec 31, 2025 to Dec 31, 2027 window. - The Department of Veterans Affairs loan fee table in 38 U.S.C. 3729(b)(2) would be amended to replace the existing row for interest rate reduction refinancing loans with this new five-part schedule, applying to loans guaranteed, insured, or made by the VA.

## Provisions PRIA read

- Date-based fees for VA refinance loans: mixed, medium. This bill would change the one-time VA loan fee for Interest Rate Reduction Refinancing Loans. The fee would depend on your closing date: 0.50% for loans closed on or after August 1, 2025 and before December 31, 2025; 0.25% for loans closed on or after December 31, 2025 and before December 31, 2027…

## 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-3384 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3384)

## 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-3384 (as of 2026-04-21).