HR 8532
VA Home Loan Affordability Act
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 14, 2026, 1:42 AM
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The VA Home Loan Affordability Act aims to make it easier for veterans to obtain mortgages by aligning the Department of Veterans Affairs’ housing loan program with standards set by the Federal Housing Administration. Specifically, the bill removes requirements for third-party verification of lender fees, allows for refinancing without appraisals in certain cases, reduces the minimum interest rate for adjustable-rate mortgages, and limits closing costs and seller fees. It also updates appraisal regulations and requires a plan for modernizing the VA’s IT systems for housing loans.
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