Raises the maximum VA home loan guaranty amount for certain veterans from 25 percent to 37.5 percent of the Freddie Mac conforming loan limit and sets a closing-date schedule of fees for interest rate reduction refinancing loans.

Official title: Homes for Heroes Act

Next stop House floor: awaiting a vote

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Introduced 09-APR-2025

Referred 09-APR-2025

Approved by committee 23-JUL-2025

Reported 18-SEP-2025

On the calendar 18-SEP-2025

Key points

Increases the maximum housing loan guaranty entitlement for certain veterans from 25 percent to 37.5 percent of the Freddie Mac conforming loan limit
Replaces the fee table row for interest rate reduction refinancing loans with fees that depend on the date the loan closes
Sets the fee at 0.50 for loans closed from August 1, 2025 through December 31, 2025, 0.25 through December 31, 2027, 0.50 through October 1, 2031, 0.75 through December 31, 2035, and 0.50 after that
Is cited as the Homes for Heroes Act

AI-generated from the Reported in House text of 18-SEP-2025 · verify · report an error

Official CRS summary

No CRS summary yet. CRS writes one for most bills, often months after they move.

CRS is the Library of Congress's nonpartisan research office. Check on congress.gov

Committee referrals (2)

Policy area

Armed Forces and National Security

Sponsor Max L. Miller (R-OH) Cosponsors · 0

No cosponsors.

congress.gov page Reported in House (18-SEP-2025) Introduced in House (09-APR-2025)