On May 19, 2025, the U.S. House of Representatives unanimously passed H.R. 1815, the VA Home Loan Reform Act. The legislation aims to make permanent the VA's temporary policy allowing veterans to directly compensate their real estate agents, providing certainty and ensuring veterans can continue to participate in the housing market on equal footing with other homebuyers. The bill would also create a partial claims program to assist veterans who have fallen behind on their mortgage payments.

Professional representation is crucial for veterans to navigate the specific requirements of VA loans while remaining competitive in today's market. NAR strongly supported this legislation in a letter to House leadershippdf, emphasizing that real estate professionals guide veterans through the homebuying process and play an essential role in ensuring that home sellers see and consider a veteran's offer.

The Department of Veterans Affairs (VA) Home Loan Guaranty is a unique government program allowing veterans to purchase a home without a downpayment. In 2023, it provided financing for roughly 400,000 home purchases and refinances, with over half of the 300,000 purchase loans going to first-time buyers.