VA Home Loan Program Reform Act
Lets the VA step in when a veteran falls behind on a VA-backed home loan, by covering missed payments and adding them to the end of the loan.
What this law changes
From a secondary sourceLets the VA step in when a veteran falls behind on a VA-backed home loan, by covering missed payments and adding them to the end of the loan.
This account is written from the official description of the bill. We have saved the law's official text and have not finished checking the account against it.
Transparency Score
The Transparency Score is the share of this law’s dollars that goes to what the law says it is for.
Transparency Score
Share of the text within the stated purpose:Not checked yetThe text of this law provides and authorizes no dollar amount. The score is the share of its text within the stated intent. That share is "Not checked yet": no reading of this law is approved by a person yet. 2 dollar figures in the text are caps, thresholds, penalties or figures in other laws, and are not spending.
How this is counted
- Transparency Score: dollars in sections a person approved as within the stated intent, divided by total dollars in the law. Shown as a percentage. Higher means more of the money goes to what the law says it is for.
- Beside it, the same two numbers the other way round: total dollars divided by dollars within the stated intent. 1.00 means every dollar is within the stated intent. When no dollar is within the stated intent this ratio cannot be computed, and the answer says so.
- Total dollars: appropriated dollars plus authorized dollars, read from the law's text by the rules below. Dollars in a section whose reading is unclear or was not read count in the total and are shown apart as unclear.
- A law whose text provides and authorizes no dollar amount reads "No money in this law". Its score is the share of its words that are in sections within the stated intent.
- The score reads "Not checked yet" until a person approves the law's reading of which sections are within the stated intent. The dollar totals need no reading and are shown before that.
- The dollar totals read "Not checked yet" when more than 10 percent of the dollars read could not be sorted by the rules.
- Every dollar amount in our saved text of the law is read: "$1,234,567", "$5 billion", "$2.5 million". Margin notes, page marks and the table of contents are left out. Each amount is kept with the words printed around it.
- Appropriated: the sentence says "there is appropriated", "is hereby appropriated" or "out of any money in the Treasury not otherwise appropriated"; or the amount is the one an appropriations paragraph ("For ..., $X") provides under an account heading of an appropriations act.
- Authorized: the sentence says "authorized to be appropriated". An authorization lets a later law provide the money. It provides none itself.
- A list under such a sentence ("there is appropriated the following: (1) ...; (2) ..."): an amount that begins an item is counted the same way as the sentence says, unless the sentence gives a total first. Then the items are parts of that total.
- "$X for each of fiscal years 2026 through 2030" is counted as X times the number of years named (here 5). The yearly figure, the years and the product are all kept. "For each fiscal year" with no years named is counted once, and the answer says so.
- Open-ended: "such sums as may be necessary" names no amount. It is counted as an item and adds no dollars.
- Rescinded: "is hereby rescinded", "permanently cancelled", or an item of a list headed "the following funds are hereby rescinded". Shown apart. Not subtracted from the total.
- Not spending, and left out of the total: an amount after "not to exceed", "not more than", "up to", "less than", "in excess of" and like words; a fine or penalty; a limit the law raises ("the limitation is increased by $X"); a figure the law strikes from another law; and a figure inside words it writes into another law ("striking $X and inserting $Y"), unless the same sentence says the figure is authorized or appropriated.
- Counted once: an amount after "of which", after "Provided, That", or after "of the amounts made available" is a part of a total already counted. Where a paragraph ends "in all, $X", that total is counted and the amounts before it are its parts.
- An amount the rules cannot sort is "not classified". It is listed with its words and left out of the total. Nothing is guessed.
- Total dollars: appropriated dollars plus authorized dollars. The two are also shown apart.
What the law says it is for
Confirmed from the official recordThese are the law’s own words, and the words of Congress’s records, about what the law is for.
Official title
“To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to take certain actions in the case of a default on a home loan guaranteed by the Secretary, and for other purposes.”
The words under "An Act", Public Law 119-31, official text · Saved October 5, 2026 · Fingerprint 02e1f8cc846e3a03
Short title
“VA Home Loan Program Reform Act”
The sentence that names the Act, Public Law 119-31, official text · Saved October 5, 2026 · Fingerprint 02e1f8cc846e3a03
Congress's summary · Congressional Research Service
“VA Home Loan Program Reform Act This act authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program, establishes a partial claim program, and temporarily increases amounts authorized for transitional housing and supportive services for veterans who are experiencing homelessness. First, the act authorizes the VA to pay the holder of a loan guaranteed by the VA an amount necessary to avoid the foreclosure of the loan, provided that the holder of the loan and the veteran obligated on the loan execute documents to ensure the VA obtains a secured interest in the property covered by the loan. The VA must prescribe loss mitigation procedures to help prevent the foreclosure of such a home loan.”
The quote stops here. The source has the full text.
Summary of the version: Public Law, Congressional Research Service summary: Public Law · Saved October 6, 2026 · Fingerprint 4ead835cec0ace72
Committee report, purpose · House committee
“H.R. 1815, the ``VA Home Loan Program Reform Act,'' was introduced by Representative Derrick Van Orden of Wisconsin on March 3, 2025. H.R. 1815, as amended, would require the Secretary of the Department of Veterans Affairs (VA) to create and establish a partial claim program within the VA Home Loan program. This bill would ensure that when a veteran uses the partial claim program, the amount of money applied to a veteran's arrearage would not count against the guarantee provided to the lender on the original loan. This bill would also require VA to develop a strategy to ensure veterans remain competitive in the home loan process. Additionally, this bill would authorize funding for the Grant Per-Diem (GPD) program.”
"Purpose and Summary", House Report 119-104: VA HOME LOAN PROGRAM REFORM ACT · Saved October 6, 2026 · Fingerprint 9e476db90e2df39f
The law has no findings or purpose section.
Dollars in this law
Confirmed from the official recordThe text of this law provides and authorizes no dollar amount.
Left out of the total
- 2 figures are written into another law. What such a figure does is set by the other law.
Source: Public Law 119-31, official text · Saved October 5, 2026 · Fingerprint 02e1f8cc846e3a03
Other measures
Each measure has its own status. None is added into the score.
- Dollars in sections added along the way
- No money in this law
- Member-requested dollars as a share of appropriated dollars
- $0Confirmed from the official record
House Report 119-104: VA HOME LOAN PROGRAM REFORM ACT says the bill carries none. The sentence is quoted.
- Open-ended amounts (“such sums as may be necessary”)
- 0 passagesConfirmed from the official record
- Other bills whose text this law contains
- 1 billConfirmed from the official record
- How the House passed it
- Voice vote, May 19, 2025Confirmed from the official record
- How the Senate passed it
- Voice vote, July 15, 2025Confirmed from the official record
- Committee report saved
- 1 reportConfirmed from the official record
- Hearing saved
- None in the official recordConfirmed from the official record
The bill's official record names no hearing.
A voice vote or unanimous consent leaves no record of how each member voted.
How these are counted
- Added along the way, sections: sections of the final law marked "added later", divided by the sections compared.
- Added along the way, words: words in those sections, divided by the words in the sections compared.
- Each text is read as a list of words. A run is 5 words in a row. For each section of the final law we count the share of its runs that appear anywhere in the first published text of the bill. 90 percent or more: in the first text. From 20 to 90 percent: changed. Under 20 percent: added later. A section with fewer than 20 words is not compared.
- Sections outside the stated intent: sections a person approved as outside the stated intent, divided by the sections read. The same count is given in words.
- Member-requested spending: the number of items in the lists Congress printed for the law, and the sum of their dollar amounts.
- A part that is not checked yet is shown as "Not checked yet". It is never counted as zero. No single blended number is given.
Added along the way
Confirmed from the official record1 of the 4 sections compared is added after the first published text of the bill. 1 is changed. 2 are in the first text. 1 heading or short section is too short to compare.
A section counts as added later when under 20 percent of its wording appears in the first published text.
The first published text (Introduced in House, March 3, 2025): H.R. 1815, Introduced in House · Saved October 7, 2026 · Fingerprint d6312d1f10ad817a
Published texts of this bill, in order: Introduced in House (March 3, 2025), Reported in House (May 19, 2025), Engrossed in House (May 19, 2025), Referred in Senate (May 20, 2025), Enrolled Bill.
Sections added later
1 section
- Section 5: INCREASE OF AUTHORIZATION OF APPROPRIATIONS FOR COMPREHENSIVE SERVICE PROGRAMS FOR HOMELESS VETERANS83 words
Amendments adopted
The record lists no adopted amendment to this bill.
Other bills whose text this law contains
The Congressional Research Service, a part of the Library of Congress, marks 1 other bill with the words “Public law contains the text”. That means this law includes text from that bill. This page does not compare its text with the law.
- H.R. 3013 To amend title 38, United States Code, to increase the authorization of appropriations for comprehensive service programs for homeless veterans.
Member-requested spending
Confirmed from the official recordA committee report on this bill says the bill, as the committee reported it, carries no spending item requested by a member.
“H.R. 1815, as amended, does not contain any Congressional earmarks, limited tax benefits, or limited tariff benefits as defined in clause 9 of rule XXI of the Rules of the House of Representatives.”
House Report 119-104: VA HOME LOAN PROGRAM REFORM ACT · Saved October 6, 2026 · Fingerprint 9e476db90e2df39f
Sections outside the stated intent
Not checked yetA person reviews each reading before it appears here.
On the record
On the record: Not started.
Press releases by members of Congress
From a secondary sourceThese are press releases from members' official websites that name this law. We save a copy of each one.
5 press releases
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Scalise’s End-of-Year Recap: One Year of Republicans Delivering on our Promises
“H.R. 1815 (Van Orden) – VA Home Loan Program Reform Act: Strengthens support programs for homeless veterans.”
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BOST JOINS PRESIDENT TRUMP AT WHITE HOUSE FOR VA HOME LOAN BILL SIGNING
“H.R. 1815, the VA Home Loan Program Reform Act, is supported by a number of key stakeholders including: Mortgage Bankers Association, Rocket, National Association of Realtors (NAR), Freedom Mortgage, National Association of Mortgage Brokers (NAMB), Lyft, Mission Roll Call, New England Center and Home for Veterans (NECHV), National Coalition for Homeless Veterans (NCHV), Veterans of Foreign Wars (VFW), and The”
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NEWS: Senator Blunt Rochester Celebrates the Passage of Veterans Housing Bill
“H.R. 1815, the VA Home Loan Program Reform Act, included provisions from legislation authored by Blunt Rochester and U.S. Senator Mike Rounds (R-S.D.). The included provisions would increase the amount of the partial claim benefit available to veterans, provide additional assistance in the face of major disasters, and expand flexibility for the administration of the program.”
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Senate Passes Van Orden Bill to Help Veterans Keep Their Homes
“WASHINGTON, D.C. – Today, Congressman Derrick Van Orden (WI-03), Chairman of the House Veterans’ Affairs Economic Opportunity Subcommittee, applauded the Senate’s passage of his bill, H.R. 1815 - the VA Home Loan Program Reform Act.”
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Van Orden Bill to Improve VA Home Loan Program Passes House
“WASHINGTON, D.C. – Today, Congressman Derrick Van Orden’s bill, H.R. 1815 – the VA Home Loan Program Reform Act, passed the House. This bill establishes a permanent partial claims program within the VA Home Loan Program, bringing VA in line with other federal agencies in offering a fair and fiscally responsible path forward for veterans who have fallen behind on”
Read from 539 of 539 members' sites, releases since January 3, 2025, through October 7, 2026.
Press releases by organizations
No saved press release from these organizations names this law.
Read from 510 of 510 organizations' sites, releases since January 3, 2025, through October 7, 2026.
What it touches
Kind of law: New or changed rules. Budget effect: Changes payments to people.
Government
- Grants, benefits and subsidies
The economy
- Housing market
Daily life
- Veterans and military families
- Housing
Agencies it funds or directs
Dollar amounts:Not checked yetHow it passed
The House passed it by voice vote on May 19, 2025. A voice vote records no individual votes.
The Senate passed it by voice vote on July 15, 2025. A voice vote records no individual votes.
How each member votes
Both chambers passed this law without a recorded vote, so no individual votes exist. The House: passed by voice vote (no individual votes recorded). The Senate: passed by voice vote (no individual votes recorded).
Lobbying reports that name this bill
Confirmed from the official record6 saved lobbying reports name H.R. 1815. The amount is what the report gives for the whole quarter: everything the registrant did for that client, all issues together. A linked name opens that organization’s page on this site.
| Registrant | Client | Amount for the whole quarter | Quarter | Report |
|---|---|---|---|---|
| PARALYZED VETERANS OF AMERICA | PARALYZED VETERANS OF AMERICA | $112,137.00reported as expenses | April to June 2026 | Open the report |
| NATIONAL ASSOCIATION OF REALTORS | NATIONAL ASSOCIATION OF REALTORS | $14,580,000.00reported as expenses | April to June 2026 | Open the report |
| DISABLED AMERICAN VETERANS | DISABLED AMERICAN VETERANS | $149,180.00reported as expenses | April to June 2026 | Open the report |
See the 6 listed reports that name H.R. 1815
Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.
Lobbying Disclosure Act reports, LDA.gov. This copy was read October 7, 2026 at 4:39 PM Eastern.
Where this comes from
The links below open the official files for this law. A code beside a file is its fingerprint, a short code that changes if the file's contents change.