VA Home Loan Awareness Act of 2025

# VA Home Loan Awareness Act of 2025 - Summary **What the Bill Would Do:** This bill would require mortgage lenders to add a notification to their standard loan application forms informing applicants that veterans and service members may be eligible for VA home loans. The notification would appear on the widely-used Uniform Residential Loan Application (the standard form most lenders use when processing mortgages). Within 18 months of the bill passing, the Government Accountability Office would also review whether at least 80% of lenders are actually including this notification. **Who It Affects:** The bill primarily affects veterans and active-duty service members who may not be aware they qualify for VA home loans—a federal benefit that typically offers favorable terms like no down payment and no mortgage insurance.

It also affects mortgage lenders, who would need to update their application forms to include the new notification. **Current Status:** The bill is currently in committee (S 138, 119th Congress), meaning it has not yet been voted on by the full Senate. The bill was introduced by Senator Tim Sheehy (R-MT) in the current congressional session.