# VA Home Loan Awareness Act of 2025

This bill is designed to make sure veterans know about and understand the home loan benefits available to them through the Department of Veterans Affairs. The VA offers special mortgage programs that give veterans significant advantages when buying a home—like no down payment requirements and better interest rates—but many eligible veterans don't realize these benefits exist or don't know how to access them.

The bill requires the VA to launch an awareness and education campaign to reach veterans and help them understand what home loan benefits they qualify for. This includes providing clear information about how VA loans work, what the application process looks like, and how these loans compare to traditional mortgages. The campaign would use multiple channels to reach veterans where they are, whether that's online, through veteran organizations, or other community resources.

For veterans, this means better access to information about programs that could save them thousands of dollars on a home purchase. Many veterans struggle with housing affordability, and VA loans are one of the most valuable benefits available to them—but only if they know about them. For the broader housing market, increased awareness could help more veterans become homeowners, which strengthens communities and helps veterans build wealth through property ownership.

The bill essentially recognizes that having a great benefit doesn't help anyone if they don't know it exists. By requiring the VA to actively educate veterans about these loan programs, it aims to close the gap between available benefits and veterans who could actually use them.

VA Home Loan Awareness Act of 2025

Sheehy, Tim

VA Home Loan Awareness Act of 2025This bill requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs Home Loan.Not later than 18 months after the enactment of the bill, the Government Accountability Office must study and report on whether at least 80% of lenders using the loan application form have met this requirement.