# 119-hr-9942: House Our Heroes Act

119-hr-9942, House Our Heroes 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 2026-09-25).

- Canonical: https://policyrisk.com/legislation/119-hr-9942
- As of: 2026-09-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9942
- Congress: 119
- Title: House Our Heroes Act
- Status: in_committee
- Introduced: 2026-07-23
- 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: 2026-09-25

## Summary

**Optional education and temporary loan-term flexibility for veterans with delinquent VA‑guaranteed loans.** The bill would add a voluntary borrower-education course covering credit scores, personal financial management, and loss mitigation options. It would also temporarily let the Department of Veterans Affairs use its partial-claim authority and approve targeted loan modifications for a narrow set of delinquent loans. - Veterans and families: Would let veterans with a VA-guaranteed loan that is delinquent or foreclosed take an optional course on improving credit, managing money, and loss mitigation options. - Lenders and the VA: For loans with a missed payment between May 1, 2025 and Nov 28, 2026, VA would be able to make a partial claim and consent to changes such as interest rate, payment timing, security, or other note or mortgage terms without following the usual sequencing rules.

## Provisions PRIA read

- More loan relief for veterans: benefit, medium. If enacted, the VA Secretary would be able to act for VA-guaranteed chapter 37 loans the Secretary finds defaulted because of a missed payment between May 1, 2025 and November 28, 2026. The VA would be allowed to make a partial claim under current VA law and to agree to change loan terms, including…
- Optional loan education for veterans: benefit, low. If enacted, the VA Secretary would be allowed to offer an optional course to veterans whose loan guaranteed under chapter 37 is delinquent or foreclosed. The course would cover how to improve a credit score, how to manage finances, and loss mitigation options available for VA-guaranteed loans. The…

## 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-9942 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9942)

## 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-9942 (as of 2026-09-25).