Four bills, and none has passed
What each would do, and whether it can still be changed.
A law that has already passed takes years to undo. A bill that has not passed can still be changed by the people who have to vote on it. That is the whole reason this page exists separately from the rest of the record.
Everything below is quoted from the text of the bill itself, read at the Government Publishing Office. Not from a press release, and not from a summary. Where a sponsor's announcement and the bill text disagree, the bill text is what is on this page.
One word appears throughout and it is worth defining once. Statutory means it is written in a law that Congress passed. A rule that is statutory can only be changed by Congress. A rule that VA wrote for itself can be changed by VA, in an afternoon, without asking anyone. That difference decides who you have to persuade, so it is worth knowing which kind of rule you are looking at. The three levels a rule can sit on sets this out in full.
One bill carrying dozens of bills
It raises the fee to refinance a VA home loan.
H.R. 9237, the Take Care of America's Veterans Act, was introduced on June 10, 2026. It bundles a large number of separate veterans bills into one package. It has six titles, covering compensation, education and economic opportunity, health care, organization, memorial affairs, and community care.
DOCUMENTED FACT S206
One provision sits directly in this crisis. Section 104(b) rewrites the loan fee table at 38 U.S.C. 3729. Verbatim, it strikes "0.50" and inserts "1.42" in one row of that table, and strikes "0.50" and inserts "1.0" in another.
DOCUMENTED FACT S206
In plain terms, that is the fee a veteran pays to use the loan benefit, and for one kind of loan it goes from half a percent to just under one and a half percent. On a $325,000 loan the difference is roughly three thousand dollars, paid at closing or added to the balance.
PROJECT ANALYSIS S206
A separate part of the same section, 104(c), adds one percentage point to the fee for certain members of the Guard and Reserve.
DOCUMENTED FACT S206
The reason this belongs on a foreclosure site is narrow and it should stay narrow. Refinancing is one of the ways a household lowers a payment it is struggling with. Raising the cost of the refinance raises the cost of that exit. It is the same loan program and the same families.
PROJECT ANALYSIS
Someone to call who is not the lender
Free counselling on foreclosure, independent by law.
H.R. 9404, the VA Home Loan Navigator Act, was introduced on June 23, 2026 by Rep. Veronica Escobar with Rep. Jack Bergman. It would have VA provide support services to veterans using the home loan benefit.
Two of the services it names are the ones missing when a family falls behind. The bill provides for "counseling relating to loss mitigation options and foreclosure prevention" and "assistance navigating loan servicing matters".
DOCUMENTED FACT S207
And the independence is written into the text rather than left to good intentions. A counsellor "shall not receive any compensation, referral fee, or other remuneration, directly or indirectly, from a mortgage lender or mortgage servicer", and "shall act solely as an independent, neutral intermediary; and may not act as an agent of, or on behalf of, any mortgage lender, servicer, or real estate professional".
DOCUMENTED FACT S207
What that would mean in practice: when a mortgage company tells a family what its options are, the family would have somewhere else to ask. Right now the company explaining the options is the company that benefits from which option is chosen.
PROJECT ANALYSIS S207
Two more bills about VA home loans
Both are set out in full on the policy page.
H.R. 8532, the VA Home Loan Affordability Act, introduced April 27, 2026. Eight provisions about cost and paperwork when a veteran gets into a loan. One of them caps closing costs, which is a real gain. None of them reaches what happens after a family falls behind. The full breakdown is on the policy page.
H.R. 9379, the Affordable Homes for Veterans Act of 2026, introduced June 18, 2026. It sets a 45-day deadline for a mortgage company to decide a loan assumption, limits what the company may say to discourage one, and orders an Inspector General audit of whether companies complied. It is the accountability design that loss mitigation does not have. The full breakdown is on the policy page.
Read together with H.R. 9404, the pattern is worth naming. Congress this year has written a processing deadline, an audit, a limit on what a servicer may say, and free independent counselling on foreclosure. All four exist in drafted text. None of them has yet been pointed at the families already in default.
PROJECT ANALYSIS S199 S200 S207
None of these four bills is law. Each is still in front of the people who will vote on it, which is the only reason any of it is worth a phone call. The Capitol switchboard is (202) 224-3121.