New Law Enhances VA Tools to Prevent Foreclosure for Veterans

VA Takes Bold Steps to Prevent Veteran Foreclosure

In a significant move for veterans, H.R. 1815, known as the VA Home Loan Program Reform Act, has been signed into law, offering crucial support to veteran homeowners facing financial difficulties. This bipartisan legislation, which passed the Senate on July 15, 2025, empowers the Department of Veterans Affairs (VA) with new tools to prevent foreclosures and assist those in need.

The law reinstates a five-year Partial Claim Program, which helps veterans who are at risk of losing their homes by allowing them to catch up on delinquent payments. This is especially crucial as many veterans struggle with housing stability, facing challenges that can lead to homelessness. The act also sets standardized loss mitigation procedures for lenders, providing a more uniform approach that ensures veterans receive consistent help when they need it most.

Addressing Immediate Needs with Long-Term Solutions

Kathryn Monet, CEO of the National Coalition for Homeless Veterans, emphasizes that H.R. 1815 is a vital step towards long-term housing stability for veterans. "This legislation gives the VA the tools it needs to prevent unnecessary foreclosures and support homeless veterans effectively," she stated. However, the future effectiveness of these provisions hinges on Congress appropriating sufficient funds for the VA, particularly for the GPD program that aids shelter providers in supporting homeless veterans.

Community Support and Legislative Advocacy

The successful passage of H.R. 1815 owes much to the advocacy of veterans service organizations and community leaders. Rep. Derrick Van Orden (WI-3) played a pivotal role in championing the bill, highlighting a united effort to fortify protections for those who have served. The act reflects a shared commitment among lawmakers, housing advocates, and veterans organizations to combat homelessness among veterans.

Conclusion: A Reason for Hope

The enactment of H.R. 1815 represents a beacon of hope for the veteran community, affirming that there is a path to stability in the face of economic challenges. As veterans in Jacksonville and across the nation adjust to the implications of this law, it remains essential for stakeholders to push for the necessary funding that will empower the VA to implement these new measures effectively. The fight for housing assistance is far from over, but the passage of this law is a testament to what can be achieved through concerted efforts and advocacy.