VA Home Loan Awareness Act of 2025
Sponsored By: Representative De La Cruz, Monica [R-TX-15]
Introduced
Summary
Boosts veteran awareness of VA home loan options. This bill would require the Uniform Residential Loan Application to include a disclaimer under the military service question saying 'If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.' It would also direct a Government Accountability Office study to determine whether fewer than 80 percent of lenders using the URLA have added the disclaimer within 18 months.
Show full summary
- Veterans and military families: More applicants who report military service would see a direct prompt that they may qualify for a VA home loan when completing the URLA.
- Enterprises and lenders: Each enterprise would be required to add the disclaimer on the URLA within six months through a regulation or order, affecting lenders that use the form.
- Government oversight: The GAO would report within 18 months on whether under 80 percent of lenders have adopted the disclaimer.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
VA loan note on mortgage form
If enacted, this bill would require the Director to make enterprises add a VA loan disclaimer to the Uniform Residential Loan Application (URLA). The disclaimer must appear below the military service question. Exact text required: "If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility." Enterprises would have 6 months after enactment to add the note. The Comptroller General would study compliance and report to Congress within 18 months. The study would check whether fewer than 80 percent of lenders using the form added the note.
Sponsors & CoSponsors
Sponsor
De La Cruz, Monica [R-TX-15]
TX • R
Cosponsors
Rep. Green, Al [D-TX-9]
TX • D
Sponsored 3/26/2025
Pfluger
TX • R
Sponsored 3/26/2025
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 3/26/2025
Rep. Gooden, Lance [R-TX-5]
TX • R
Sponsored 3/26/2025
Rep. Fitzpatrick, Brian K. [R-PA-1]
PA • R
Sponsored 3/26/2025
Crenshaw
TX • R
Sponsored 3/26/2025
Rep. Pettersen, Brittany [D-CO-7]
CO • D
Sponsored 3/26/2025
Rep. Beatty, Joyce [D-OH-3]
OH • D
Sponsored 3/26/2025
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 3/26/2025
Rep. Harder, Josh [D-CA-9]
CA • D
Sponsored 3/26/2025
Rep. Ross, Deborah K. [D-NC-2]
NC • D
Sponsored 3/26/2025
Rutherford
FL • R
Sponsored 4/1/2025
Rep. Begich, Nicholas J. [R-AK-At Large]
AK • R
Sponsored 6/3/2025
Rep. Johnson, Julie [D-TX-32]
TX • D
Sponsored 7/16/2025
Rep. Vindman, Eugene Simon [D-VA-7]
VA • D
Sponsored 9/15/2025
Rep. Valadao, David G. [R-CA-22]
CA • R
Sponsored 11/4/2025
Rep. Pappas, Chris [D-NH-1]
NH • D
Sponsored 11/12/2025
Rep. Whitesides, George [D-CA-27]
CA • D
Sponsored 12/3/2025
Moore (NC)
NC • R
Sponsored 12/15/2025
Riley (NY)
NY • D
Sponsored 12/17/2025
Rep. Neguse, Joe [D-CO-2]
CO • D
Sponsored 12/18/2025
Rep. Goodlander, Maggie [D-NH-2]
NH • D
Sponsored 2/24/2026
Sessions
TX • R
Sponsored 3/5/2026
Rep. Bera, Ami [D-CA-6]
CA • D
Sponsored 3/24/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov