The 12 Titles / Title VI
Title VI: Veterans and Housing
This title aims to make sure veterans learn about and can use the housing benefits they have earned. It requires the standard mortgage application form to flag possible VA home loan eligibility, stops certain VA disability benefits from counting against veterans when they apply for supportive housing assistance, and requires FHA loan disclosures to include a cost comparison with VA loans.
§ 601 Military Service Question Notable
Requires Fannie Mae and Freddie Mac to add a notice to the standard mortgage application form (the Uniform Residential Loan Application), placed just below the question asking about military service and above the signature line. The notice reads: 'If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.' The Federal Housing Finance Agency must order this change within 6 months of enactment. In practice, anyone who answers 'yes' to the military service question when applying for a mortgage will be prompted to ask about VA loans, which often have no down payment requirement. The Government Accountability Office must later check whether lenders are actually including the notice.
Affects: veterans, servicemembers, lenders, Fannie Mae and Freddie Mac
- FHFA: FHFA Director must require the enterprises to add the VA loan disclosure to the Uniform Residential Loan Application — 6 months after enactment (≈ January 11, 2027)
- GAO: GAO must study and report to Congress on whether at least 80 percent of lenders using the form have included the required disclaimer — 18 months after enactment (≈ January 11, 2028)
§ 602 Housing Unhoused Disabled Veterans Act Notable
Changes how income is counted when disabled veterans apply for housing assistance. VA disability compensation and pension benefits (paid under chapters 11 and 15 of title 38) will no longer count as income when determining whether a veteran qualifies for the HUD-VASH supported housing program, which combines rental vouchers with VA support services for homeless veterans. The same exclusion applies when a HUD-VASH household's eligibility for other types of housing assistance is assessed, and when veterans apply to rent units built on VA property under a HUD-assisted program. The benefits still count when calculating the household's adjusted income, which sets how much rent the tenant actually pays. The practical effect is that disability payments will not push homeless or at-risk disabled veterans over the income limits that would otherwise disqualify them from these programs.
Affects: veterans, disabled veterans, homeless veterans, public housing agencies
§ 603 Veterans Affairs Loan Informed Disclosure (VALID) Act Notable
Requires the FHA informed-consumer-choice disclosure, which homebuyers considering an FHA-insured mortgage already receive, to also show the estimated cost of a comparable VA-guaranteed loan at prevailing interest rates, so eligible borrowers can compare the two options side by side. Lenders are not required to determine whether a borrower is actually eligible for a VA loan. The section also requires Fannie Mae and Freddie Mac to put a military service question on the Uniform Residential Loan Application with answer choices of 'Yes', 'No', and 'Prefer Not To Answer', positioned above the signature line. The FHFA must issue a rule implementing this within 6 months of enactment.
Affects: veterans, servicemembers, homebuyers, lenders, Fannie Mae and Freddie Mac
- FHFA: FHFA Director must require the enterprises to add the military service question (Yes / No / Prefer Not To Answer) above the signature line of the Uniform Residential Loan Application — 6 months after enactment (≈ January 11, 2027)
- FHFA: FHFA Director must issue a rule to carry out the amendments made by this section — 6 months after enactment (≈ January 11, 2027)
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