HR 1815 · Signed into Law · 07-30-25
VA Home Loan Program Reform Act
What does the VA Home Loan Program Reform Act do?
HR 1815 is a House bill sponsored by Rep. Derrick Van Orden (R-WI). This law overhauls how the VA helps veterans who fall behind on a VA-guaranteed home loan. It creates a new Partial Claim Program in which the VA buys part of a defaulted loan to bring it current, requires lenders to walk a veteran through a mandatory sequence of foreclosure-prevention options before the VA steps in, and raises funding authorization for homeless-veteran service programs.
Did HR 1815 pass? Where it stands
As of July 17, 2026, HR 1815 has been signed into law on July 30, 2025.
Status: Signed into Law
Latest vote: Senate Passed by voice vote on July 15, 2025
Outlook: Enacted
Enacted: Signed into law on July 30, 2025
Key provisions
- Partial Claim Program
- VA may buy part of a defaulted VA-guaranteed loan to prevent foreclosure
- Partial claim capped at 25% of unpaid principal (30% for borrowers who missed a payment between Mar 1, 2020 and May 1, 2025)
- Program sunsets five years after enactment
- Mandatory Loss Mitigation
- VA must prescribe a required sequence of loss-mitigation options lenders offer veterans
- VA may not purchase an entire loan until the veteran completes the sequence
- VA default decisions are final and not subject to judicial review
- Homeless Veteran Funding
- $344M authorized for comprehensive homeless-veteran service programs for each of FY2025 and FY2026
- $257.7M authorized for each fiscal year thereafter through FY2030
Last updated June 10, 2026