Should Congress create a new home loan program for veterans?

Social Welfare
VA Home Loan Program Reform Act (H.R. 1815)
This bill Became Law
Bill Summary

H.R. 1815 updates the Department of Veterans Affairs home loan program by creating a new “partial claim” option for veteran homeowners facing foreclosure. It would allow the VA to pay up to 30% of overdue mortgage payments via a no-interest, deferred second loan for the holder guaranteed by the VA. This bill would replace the Veterans Assistance Servicing Purchase (VASP) program, which was phased out in May 2025. Sponsor: Rep. Derrick Van Orden (Republican, Wisconsin, District 3)
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Opponents say

At the time of research and publication, no official opposing statements have been identified. This does not mean that nobody opposes the bill, nor does it mean that opposing statements will not be made in the future.

Proponents say

•    "Under the Biden administration, the VA created the VASP program without consulting Congress, costing the American taxpayers $5.8 billion and endangering the entire VA home loan guarantee program. The time for faceless bureaucrats to run roughshod over elected officials is over. My bill offers a real solution to help every servicemember and veteran maintain the American Dream of homeownership. I am grateful to my Senate colleagues for passing this important bill, and I look forward to President Trump signing it into law." Source: Rep. Derrick Van Orden (Republican, Wisconsin, District 3) 


•    "The VA Home Loan program has helped millions of veterans achieve the American Dream of owning a home. However, we know that veterans - like all Americans - can fall on hard times and may need a safety net in place to avoid foreclosure on their home. The VA Home Loan Program Reform Act addresses that need head on." Source: Chairman of the House Committee on Veterans Affairs Mike Bost (Republican, Illinois, District 12) 


•    "I am thrilled to sign the VA Home Loan Program Reform Act into law... This legislation provides desperately-needed relief to veterans and their families who have fallen behind on their mortgages." Source: President Donald Trump (Republican) 

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