United States 119th Congress Status: In Committee Bipartisan · 14 D · 12 R · 1 I cosponsors

S 138 — VA Home Loan Awareness Act of 2025

Last action — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced January 16, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 42% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 27 sponsors

    1 primary, 26 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 3 parties (14 D · 12 R · 1 I) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

VA Home Loan Awareness Act of 2025This bill requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs Home Loan.Not later than 18 months after the enactment of the bill, the Government Accountability Office must study and report on whether at least 80% of lenders using the loan application form have met this requirement.

Bill Text

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 26 co-sponsors · 520 not signed on

Sponsors (1)

Co-sponsors (26)

Not signed on (520)

520 members have not signed on to this bill.

Show all 520 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

housing veterans
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 138 do?
VA Home Loan Awareness Act of 2025This bill requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs Home Loan.Not later than 18 months after the enactment of the bill, the Government Accountability Office must study and report on whether at least 80% of lenders using the loan application form have met this requirement.
Who sponsors S 138?
S 138 is sponsored by Sheehy, Tim (Republican), Van Hollen, Chris (Democratic), Cruz, Ted (Republican), Warnock, Raphael G. (Democratic), Budd, Ted (Republican), Whitehouse, Sheldon (Democratic), Boozman, John (Republican), Sanders, Bernard (Independent), Cramer, Kevin (Republican), Welch, Peter (Democratic), Schmitt, Eric (Republican), Kennedy, John (Republican), Tillis, Thomas (Republican), Moreno, Bernie (Republican), Rosen, Jacky (Democratic), Klobuchar, Amy (Democratic), Cassidy, Bill (Republican), Ricketts, Pete (Republican), Gallego, Ruben (Democratic), Warner, Mark R. (Democratic), Cortez Masto, Catherine (Democratic), Ossoff, Jon (Democratic), Kelly, Mark (Democratic), Hickenlooper, John W. (Democratic), Hassan, Margaret Wood (Democratic), Risch, James E. (Republican), and Reed, Jack (Democratic).
What is the current status of S 138?
This bill is in committee in the Senate. Introduced January 16, 2025. It must pass committee before a floor vote.
Where can I track S 138?
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