# 119-s-138: VA Home Loan Awareness Act of 2025

119-s-138, VA Home Loan Awareness Act of 2025, is a 119th Congress bill sponsored by Sen. Sheehy, Tim [R-MT] (R-MT); status introduced; PRIA reads it as touching household money (as of 2026-07-22).

- Canonical: https://policyrisk.com/legislation/119-s-138
- As of: 2026-07-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-138
- Congress: 119
- Title: VA Home Loan Awareness Act of 2025
- Status: introduced
- Introduced: 2025-01-16
- Sponsor: Sen. Sheehy, Tim [R-MT] (R-MT)
- Cosponsors: 26
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-07-22

## Summary

**Boost notice of VA home loan eligibility** by adding a short message to the Uniform Residential Loan Application that tells applicants with military service they may qualify for a Department of Veterans Affairs home loan. - Veterans and current service members would more often see a clear prompt on the mortgage form that they may qualify for VA direct or guaranteed home loans. - The Federal Housing Finance Agency would be required to order enterprises that use the URLA, such as Fannie Mae and Freddie Mac, to add the disclaimer within six months. - The Government Accountability Office would study adoption and report within 18 months on whether at least 80% of lenders using the URLA included the notice.

## Cosponsors (26)

- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-01-16T00:00:00.000Z
- Sen. Cruz, Ted [R-TX] (R-TX), 2025-01-16T00:00:00.000Z
- Sen. Warnock, Raphael G. [D-GA] (D-GA), 2025-01-16T00:00:00.000Z
- Sen. Budd, Ted [R-NC] (R-NC), 2025-01-16T00:00:00.000Z
- Sen. Whitehouse, Sheldon [D-RI] (D-RI), 2025-01-16T00:00:00.000Z
- Sen. Boozman, John [R-AR] (R-AR), 2025-01-16T00:00:00.000Z
- Sen. Sanders, Bernard [I-VT] (I-VT), 2025-01-16T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-01-16T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2025-01-16T00:00:00.000Z
- Sen. Schmitt, Eric [R-MO] (R-MO), 2025-01-16T00:00:00.000Z
- Sen. Kennedy, John [R-LA] (R-LA), 2025-01-16T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2025-01-16T00:00:00.000Z
- Sen. Moreno, Bernie [R-OH] (R-OH), 2025-01-16T00:00:00.000Z
- Sen. Rosen, Jacky [D-NV] (D-NV), 2025-01-16T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-01-16T00:00:00.000Z
- Sen. Cassidy, Bill [R-LA] (R-LA), 2025-02-03T00:00:00.000Z
- Sen. Ricketts, Pete [R-NE] (R-NE), 2025-03-06T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-04-02T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2025-07-29T00:00:00.000Z
- Sen. Cortez Masto, Catherine [D-NV] (D-NV), 2025-07-30T00:00:00.000Z
- Sen. Ossoff, Jon [D-GA] (D-GA), 2025-09-10T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2025-09-18T00:00:00.000Z
- Sen. Hickenlooper, John W. [D-CO] (D-CO), 2025-09-18T00:00:00.000Z
- Sen. Hassan, Margaret Wood [D-NH] (D-NH), 2025-10-20T00:00:00.000Z
- Sen. Risch, James E. [R-ID] (R-ID), 2025-12-18T00:00:00.000Z
- Sen. Reed, Jack [D-RI] (D-RI), 2026-02-10T00:00:00.000Z

## Provisions PRIA read

- VA notice on mortgage application for veterans: benefit, low. If enacted, the bill would require a VA notice on the Uniform Residential Loan Application (URLA). The notice must appear below the military service question and say: "If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility." The Director would have to issue the rule w…

## Related bills

- 119-s-1071: National Defense Authorization Act for Fiscal Year 2026
- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.
- 119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for the State of California.

## Sources
- [119-s-138 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/138)

## Related
- [119-s-1071: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-1071)
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for…](https://policyrisk.com/legislation/119-sres-739)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-138 (as of 2026-07-22).