# 119-hr-7009: Home Affordability for Guard and Reserve Act

119-hr-7009, Home Affordability for Guard and Reserve Act, is a 119th Congress bill sponsored by Rep. Barrett, Tom [R-MI-7] (R-MI); status in_committee; PRIA reads it as touching household money (as of 2026-06-27).

- Canonical: https://policyrisk.com/legislation/119-hr-7009
- As of: 2026-06-27
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7009
- Congress: 119
- Title: Home Affordability for Guard and Reserve Act
- Status: in_committee
- Introduced: 2026-01-12
- Sponsor: Rep. Barrett, Tom [R-MI-7] (R-MI)
- Cosponsors: 0
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-06-27

## Summary

**Expands VA home-loan eligibility for many Reserve and National Guard members.** The bill would also create a new limited-service eligibility that gives basic home-loan entitlement but adds an extra loan fee.

## Provisions PRIA read

- VA home-loan access for Reserve and Guard: benefit, high. If enacted, the bill would expand the meaning of "active duty" for VA home loans to include specific Reserve component and National Guard service categories. The expanded active-duty rule would apply to service performed on or after September 11, 2001. The bill would create a new VA home-loan eligi…
- Higher one-time VA loan fee: cost, high. If enacted, the bill would raise the one-time VA loan origination fee for borrowers whose only eligibility is the new Reserve/Guard category. VA would add 1.00 percentage point to the usual fee-table percentage when computing that one-time fee. The dollar fee would equal the loan amount times (tabl…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-8324: Great American Healthcare Plan
- 119-hr-4317: PBM Reform Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-353: Family First Act
- 119-hr-833: Educational Choice for Children Act of 2025

## Sources
- [119-hr-7009 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7009)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-8324: Great American Healthcare Plan](https://policyrisk.com/legislation/119-hr-8324)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-353: Family First Act](https://policyrisk.com/legislation/119-hr-353)
- [119-hr-833: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-hr-833)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7009 (as of 2026-06-27).