New VA Home Loan Program Reform Act: What It Means for Veterans Behind on Mortgage Payments 

On July 29, 2025, President Donald Trump signed into law a critical piece of legislation that could offer life-changing relief for thousands of veterans across the country — the VA Home Loan Program Reform Act (H.R. 1815).

This new law directly addresses a pressing crisis: nearly 70,000 veteran homeowners are currently 90 days or more behind on their mortgage payments. With this bill, there is now a clear path toward stability and a second chance at homeownership for our nation’s heroes.

🔎 What Is the VA Home Loan Program Reform Act? 

The VA Home Loan Program Reform Act establishes a partial claim program within the U.S. Department of Veterans Affairs (VA). While similar support exists through other federal housing agencies, this is a first for the VA, marking a major shift in how the agency supports veterans at risk of losing their homes. 

The goal:  To give veteran homeowners access to mortgage assistance and loan restructuring options — allowing them to catch up on payments without losing their homes. 

✅ Key Benefits of H.R. 1815 
 

• Partial Claim Program: Veterans behind on payments can now receive federal assistance to avoid foreclosure, just like FHA borrowers.

• Modernization of the VA Loan Program: With this act, the VA system becomes more responsive to the financial struggles of today’s veterans.

• Expanded Homelessness Prevention Support: The bill also includes additional funding for the VA - 

• Grant and Per Diem Program, which supports local organizations working to help veterans facing homelessness.

💡 Why This Matters
Veterans who proudly served our country deserve housing stability, not uncertainty and stress. H.R. 1815 gives them the tools and support needed to bounce back from financial hardship — without having to start over or lose the roof over their heads.

As a lender who works with veterans every day, I see the difference a program like this can make.

🏠 Are You a Veteran Behind on Payments?
If you're more than 90 days late on your VA mortgage, this new law might help you avoid foreclosure and stay in your home.

➡️ Want to find out if you're eligible for help under the new VA Home Loan Reform Act?
📲 Reach out today — I’ll walk you through your options.