WASHINGTON—U.S. Senators John Boozman (R-AR) and Chris Van Hollen (D-MD) introduced the Veterans Affairs Loan Informed Disclosure (VALID) Act of 2025 to increase awareness and utilization of Department of Veterans Affairs (VA) home loan benefits.

By providing potential homebuyers with a side-by side comparison of conventional, Federal Housing Administration and VA home loans, the VALID Act would ensure veterans have a comprehensive picture of their financing options that includes their eligibility for homebuying assistance. Currently, only 10 to 15 percent of eligible veterans report utilizing VA home loans.

“We should make certain veterans are aware they qualify for help with purchasing a home or realizing more savings over the life of a mortgage,” said Boozman, a senior member of the Senate Veterans’ Affairs Committee. “Since we know VA home loans are underutilized, there is a clear need to better identify this assistance earlier in the process. I am proud to join my colleagues in enhancing this earned benefit for our former servicemembers.”

“While we can never fully repay the debt we owe to our veterans, we have a duty to support them when they return home,” said Van Hollen. “The VA Home Loan has been helping servicemembers buy homes for over 80 years, but this funding resource remains severely underutilized by far too many of our veterans. This bipartisan legislation will help change that, ensuring more veterans and their families take advantage of the benefits they have earned.”

The VALID Act would:

• Update Federal Housing Administration (FHA) mortgage disclosures to include VA Home Loans alongside FHA and conventional loan options; and
• Ensure lenders are provided with important information regarding applicant’s military service so they can provide information about VA loans early in the homebuying process.

Representatives Brittany Pettersen (D-CO-07), Young Kim (R-CA-40), Nikema Williams (D-GA-05), and Harriet Hageman (R-WY-At Large) introduced companion legislation in the U.S. House of Representatives. 

The bill is endorsed by the Veterans Association of Real Estate Professionals (VAREP), Broker Action Coalition and National Association of REALTORS.

“VAREP wholeheartedly endorses the VA Loan Information Disclosure Act of 2025. This legislation will help correct an injustice of non-disclosure of all viable mortgage loan options to all home loan applicants who are eligible to take advantage of their earned VA Home Loan Guarantee Benefits,” said VAREP.

Full text of the VALID Act is available here.