Restoring the VA Home Loan Program in Perpetuity Act of 2025

House Votes

This proposal would limit how many VA-backed home loans the Department of Veterans Affairs can buy from mortgage companies to help avoid default. It caps these purchases at 250 loans per year. It also tells the VA to deliver a plan within 180 days for selling any such loans it has acquired (on or after May 31, 2024) to non-government buyers.

What this means for people:

• Who is affected: Veterans and military families with VA-guaranteed home loans, and mortgage servicers that work with the VA loan program.
• What changes: The VA could only buy up to 250 troubled loans each year to help avoid default, and it must plan to sell those purchased loans to non-government entities.
• When: The VA’s sale plan is due within 180 days after the law takes effect, and it covers loans the VA acquired on or after May 31, 2024.