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H.R. 2362House119th Congress (2025-2027)In Committee

VA Home Loan Awareness Act of 2025

Sponsored by Monica De La CruzRep. Monica De La Cruz (R-TX)
Introduced March 26, 2025

AI-Generated Summary

Updated November 24, 2025 at 1:40 AM UTC

The VA Home Loan Awareness Act of 2025 directs lenders to add a notice on the standard mortgage application that alerts borrowers who served in the military that they may qualify for a VA home loan. The disclaimer must appear directly under the military service question and be in place within six months of the law’s enactment. The bill also requires the Government Accountability Office to study how many lenders have complied with the new requirement and report the findings to Congress.

Key Provisions

  • Within six months, the Federal Housing Enterprises regulator must issue a rule requiring every lender to place a disclaimer under the military service question on the Uniform Residential Loan Application that says, “If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.”
  • The Comptroller General must conduct a GAO study within 18 months to determine whether at least 80% of lenders have added the required disclaimer, and report the results to Congress.

Legislative Activity

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HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

March 26, 2025

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HouseIntro Referral

Introduced in House

March 26, 2025

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

March 26, 2025

Bill Text

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Introduced in HouseIssued March 26, 2025

I

119th CONGRESS

1st Session

H. R. 2362

IN THE HOUSE OF REPRESENTATIVES

March 26, 2025

Ms. De La Cruz (for herself, Mr. Green of Texas, Mr. Pfluger, Mr. Lawler, Mr. Gooden, Mr. Fitzpatrick, Mr. Crenshaw, Ms. Pettersen, Mrs. Beatty, Mr. Gottheimer, Mr. Harder of California, and Ms. Ross) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To require each enterprise to include on the Uniform Residential Loan Application a disclaimer to increase awareness of the direct and guaranteed home loan programs of the Department of Veterans Affairs, and for other purposes.

1.

Short title

This Act may be cited as the VA Home Loan Awareness Act of 2025.

2.

Military service question

(a)

In general

Subpart A of part 2 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4541 et seq.) is amended by adding at the end the following:

1329.

Uniform residential loan application

Not later than 6 months after the date of enactment of this section, the Director shall, by regulation or order, require each enterprise to include a disclaimer below the military service question on the form known as the Uniform Residential Loan Application stating, If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility..

.

(b)

GAO study

Not later than 18 months after the date of enactment of this Act, the Comptroller General of the United States shall conduct a study and submit to Congress a report on whether or not less than 80 percent of lenders using the Uniform Residential Loan Application have included on that form the disclaimer required under section 1329 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as added by subsection (a).