VALID Act of 2025
Sponsored By: Representative Pettersen, Brittany [D-CO-7]
Introduced
Summary
Better visibility of VA loan terms in FHA disclosures. This bill would require FHA borrower disclosures to include information about VA home loans and would add a military service question to the Uniform Residential Loan Application.
Show full summary
- Prospective borrowers, including veterans: Would see VA home loan information in the Informed Consumer Choice Disclosure when weighing FHA options, including a note that prevailing interest rates may apply to VA-guaranteed loans.
- Military applicants and households: Each enterprise would add a military service question to the URLA and place it above the signature line, standardizing how service data is collected across mortgage applicants.
- Lenders and regulators: The Federal Housing Finance Agency Director would have 6 months to issue a rule to implement the URLA change. The bill also clarifies that original lenders are not required to determine borrower eligibility for loans mentioned in the disclosure.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More VA loan info for homebuyers
If enacted, federal mortgage disclosures for FHA loans would add a line showing VA loan terms at current rates. This would take effect upon enactment, and lenders would not have to decide if a buyer qualifies for a VA loan. No later than 6 months after enactment, the standard mortgage application would add a military service question above the signature line. The Federal Housing Finance Agency would issue a rule to require this change. These steps could help veterans compare options and get flagged for VA loan programs.
Sponsors & CoSponsors
Sponsor
Pettersen, Brittany [D-CO-7]
CO • D
Cosponsors
Hageman
WY • R
Sponsored 6/3/2025
Rep. Williams, Nikema [D-GA-5]
GA • D
Sponsored 6/3/2025
Rep. Kim, Young [R-CA-40]
CA • R
Sponsored 6/3/2025
Rep. Fitzpatrick, Brian K. [R-PA-1]
PA • R
Sponsored 6/11/2025
Rep. Schneider, Bradley Scott [D-IL-10]
IL • D
Sponsored 6/17/2025
Rep. Moolenaar, John R. [R-MI-2]
MI • R
Sponsored 6/17/2025
Schakowsky
IL • D
Sponsored 6/17/2025
Rep. Newhouse, Dan [R-WA-4]
WA • R
Sponsored 6/17/2025
Rep. Strickland, Marilyn [D-WA-10]
WA • D
Sponsored 6/17/2025
Thompson (MS)
MS • D
Sponsored 6/17/2025
Khanna
CA • D
Sponsored 6/17/2025
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 6/17/2025
Rep. Titus, Dina [D-NV-1]
NV • D
Sponsored 6/23/2025
Rep. Krishnamoorthi, Raja [D-IL-8]
IL • D
Sponsored 6/23/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 6/23/2025
Casten
IL • D
Sponsored 6/23/2025
Cohen
TN • D
Sponsored 6/23/2025
Costa
CA • D
Sponsored 6/23/2025
Jackson (IL)
IL • D
Sponsored 6/23/2025
Rep. Lieu, Ted [D-CA-36]
CA • D
Sponsored 6/23/2025
Rep. Moulton, Seth [D-MA-6]
MA • D
Sponsored 6/23/2025
Rep. Gosar, Paul A. [R-AZ-9]
AZ • R
Sponsored 6/23/2025
Rep. Garcia, Sylvia R. [D-TX-29]
TX • D
Sponsored 6/23/2025
Davis (IL)
IL • D
Sponsored 6/23/2025
Rep. Tonko, Paul [D-NY-20]
NY • D
Sponsored 6/23/2025
Craig
MN • D
Sponsored 6/23/2025
Timmons
SC • R
Sponsored 6/24/2025
Rep. Salinas, Andrea [D-OR-6]
OR • D
Sponsored 6/24/2025
Auchincloss
MA • D
Sponsored 6/24/2025
Castro (TX)
TX • D
Sponsored 6/24/2025
Rep. Kelly, Robin L. [D-IL-2]
IL • D
Sponsored 6/25/2025
Rep. Neguse, Joe [D-CO-2]
CO • D
Sponsored 6/25/2025
McBride
DE • D
Sponsored 6/25/2025
Smith (WA)
WA • D
Sponsored 6/26/2025
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 6/26/2025
Rep. Begich, Nicholas J. [R-AK-At Large]
AK • R
Sponsored 6/26/2025
Rep. Finstad, Brad [R-MN-1]
MN • R
Sponsored 6/27/2025
Rep. Bergman, Jack [R-MI-1]
MI • R
Sponsored 6/30/2025
Rep. Tlaib, Rashida [D-MI-12]
MI • D
Sponsored 6/30/2025
Schrier
WA • D
Sponsored 6/30/2025
Davis (NC)
NC • D
Sponsored 7/2/2025
Nehls
TX • R
Sponsored 7/10/2025
Carson
IN • D
Sponsored 7/10/2025
Rep. Ross, Deborah K. [D-NC-2]
NC • D
Sponsored 7/16/2025
Wittman
VA • R
Sponsored 7/22/2025
Rutherford
FL • R
Sponsored 7/23/2025
Simon
CA • D
Sponsored 7/29/2025
Rep. García, Jesús G. "Chuy" [D-IL-4]
IL • D
Sponsored 7/29/2025
Rescom. Hernández, Pablo Jose [D-PR-At Large]
PR • D
Sponsored 7/29/2025
Rep. Fleischmann, Charles J. "Chuck" [R-TN-3]
TN • R
Sponsored 9/2/2025
Gonzalez, V.
TX • D
Sponsored 9/2/2025
Turner (OH)
OH • R
Sponsored 9/3/2025
Rep. Larsen, Rick [D-WA-2]
WA • D
Sponsored 9/8/2025
Rep. Baird, James R. [R-IN-4]
IN • R
Sponsored 9/8/2025
Rep. Goodlander, Maggie [D-NH-2]
NH • D
Sponsored 9/26/2025
Rep. Hayes, Jahana [D-CT-5]
CT • D
Sponsored 9/26/2025
LaLota
NY • R
Sponsored 10/3/2025
Rep. Pappas, Chris [D-NH-1]
NH • D
Sponsored 10/3/2025
Rep. Nunn, Zachary [R-IA-3]
IA • R
Sponsored 10/6/2025
Evans (CO)
CO • R
Sponsored 10/6/2025
Franklin, Scott
FL • R
Sponsored 10/10/2025
Rep. Subramanyam, Suhas [D-VA-10]
VA • D
Sponsored 10/10/2025
Rep. Panetta, Jimmy [D-CA-19]
CA • D
Sponsored 10/10/2025
Womack
AR • R
Sponsored 10/21/2025
Rep. Harder, Josh [D-CA-9]
CA • D
Sponsored 10/24/2025
Rep. Torres, Norma J. [D-CA-35]
CA • D
Sponsored 10/24/2025
Mills
FL • R
Sponsored 10/24/2025
Rep. Valadao, David G. [R-CA-22]
CA • R
Sponsored 10/24/2025
Rep. Luttrell, Morgan [R-TX-8]
TX • R
Sponsored 10/24/2025
Rep. Bera, Ami [D-CA-6]
CA • D
Sponsored 10/28/2025
Randall
WA • D
Sponsored 11/7/2025
Rep. Carter, John R. [R-TX-31]
TX • R
Sponsored 11/7/2025
Obernolte
CA • R
Sponsored 11/7/2025
Salazar
FL • R
Sponsored 11/7/2025
Rep. Lynch, Stephen F. [D-MA-8]
MA • D
Sponsored 11/7/2025
Norcross
NJ • D
Sponsored 11/12/2025
Rep. Letlow, Julia [R-LA-5]
LA • R
Sponsored 11/17/2025
Rep. Horsford, Steven [D-NV-4]
NV • D
Sponsored 11/17/2025
Rep. Cline, Ben [R-VA-6]
VA • R
Sponsored 12/12/2025
Rep. Case, Ed [D-HI-1]
HI • D
Sponsored 12/16/2025
Bresnahan
PA • R
Sponsored 12/18/2025
Rep. Kiggans, Jennifer A. [R-VA-2]
VA • R
Sponsored 1/8/2026
Rep. Suozzi, Thomas R. [D-NY-3]
NY • D
Sponsored 1/21/2026
Rep. Sorensen, Eric [D-IL-17]
IL • D
Sponsored 1/22/2026
Loudermilk
GA • R
Sponsored 2/3/2026
Rep. Luna, Anna Paulina [R-FL-13]
FL • R
Sponsored 3/25/2026
Kean
NJ • R
Sponsored 4/6/2026
Sewell
AL • D
Sponsored 4/27/2026
Rep. Deluzio, Christopher R. [D-PA-17]
PA • D
Sponsored 4/27/2026
McGuire
VA • R
Sponsored 4/30/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov