[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 7009 Introduced in House (IH)]
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119th CONGRESS
2d Session
H. R. 7009
To amend title 38, United States Code, to expand eligibility for
housing loans guaranteed by the Secretary of Veterans Affairs to
members of the reserve components and the National Guard who perform
certain duties, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
January 12, 2026
Mr. Barrett introduced the following bill; which was referred to the
Committee on Veterans' Affairs
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A BILL
To amend title 38, United States Code, to expand eligibility for
housing loans guaranteed by the Secretary of Veterans Affairs to
members of the reserve components and the National Guard who perform
certain duties, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Home Affordability for Guard and
Reserve Act''.
SEC. 2. ELIGIBILITY OF CERTAIN MEMBERS OF THE RESERVE COMPONENTS AND
THE NATIONAL GUARD FOR GUARANTEED HOUSING LOANS.
(a) Expanded Definition of ``Active Duty'' for Purposes of Housing
Loans.--Section 3701(b) of title 38, United States Code, is amended by
adding at the end the following new paragraph:
``(9) The term `active duty' has the meanings as follows:
``(A) In the case of members of the regular
components of the Armed Forces, the meaning given such
term in section 101(21)(A).
``(B) In the case of members of the reserve
components of the Armed Forces--
``(i) service on active duty (as defined in
section 101(d) of title 10), inactive-duty
training (as defined in section 101(d) of title
10), or annual training duty; or
``(ii) service on active duty under a call
or order to active duty under section 688,
12301(a), 12301(d), 12301(g), 12301(h), 12302,
12304, 12304a, or 12304b of title 10 or section
713 of title 14, but not including inactive
duty training (as defined in section 101(d) of
title 10) or annual training duty.
``(C) In the case of a member of the Army National
Guard of the United States or Air National Guard of the
United States, in addition to service described in
subparagraph (B), full-time service--
``(i) in the National Guard of a State for
the purpose of organizing, administering,
recruiting, instructing, or training the
National Guard;
``(ii) in the National Guard when
performing full-time National Guard duty (as
defined in section 101 of title 32); or
``(iii) in the National Guard when
performing active duty (as defined in section
101 of title 32).''.
(b) Retroactive Applicability to Service Performed.--The amendments
made by this section shall apply with respect to any service performed
on or after September 11, 2001.
SEC. 3. EXPANSION OF ELIGIBILITY FOR GUARANTEED HOUSING LOANS TO
CERTAIN ADDITIONAL PERSONNEL UPON PAYMENT OF ADDITIONAL
LOAN FEE.
(a) Expansion to Individuals With at Least 14 Days of Service.--
Section 3701(b) of title 38, United States Code, is amended by
inserting after paragraph (7) the following new paragraph:
``(8) The term `veteran' also includes, for purposes of
home loans (subject to the additional loan fee in section
3729(b)(4)(J) of this title), an individual who--
``(A) is not otherwise eligible for the benefits of
this chapter;
``(B) has completed a total service of at least 14
days on active duty under paragraph (B) or (C) of
paragraph (9); and
``(C) following completion of such service,
continued to serve until the completion of entry level
and skill training (as defined in section 3301(3) of
this title).''.
(b) Basic Entitlement.--Section 3702(a)(2) of title 38, United
States Code, is amended by adding at the end the following:
``(H) Each individual described in section 3701(b)(8) of
this title.''.
(c) Additional Loan Fee for Such Individuals.--Section 3729(b)(4)
of title 38, United States Code, is amended by adding at the end the
following new subparagraph:
``(J) In the case of a housing loan in which the veteran
has eligibility under section 3701(b)(8) of this title and does
not otherwise have eligibility, the loan fee table in paragraph
(2) shall be applied to the veteran or other obligor (as
applicable) by adding 1.00 to the percentage in the table.''.
(d) Notification to Personnel.--The Secretary of Veterans Affairs
shall ensure that each member of a reserve component or a member of the
Army National Guard of the United States or Air National Guard of the
United States who completes entry level and skill training (as defined
in section 3301(3) of title 38, United States Code) after the date of
the enactment of this Act is notified of their eligibility for housing
loan benefits under chapter 37 of such title, including eligibility
(subject to the additional loan fee) under section 3701(b)(8) of such
title.
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