{"id":4992,"date":"2025-07-30T13:36:44","date_gmt":"2025-07-30T18:36:44","guid":{"rendered":"https:\/\/riverbankfinance.com\/blog\/?p=4992"},"modified":"2026-04-04T15:46:20","modified_gmt":"2026-04-04T20:46:20","slug":"new-law-helps-more-veterans-stay-in-their-homes","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/new-law-helps-more-veterans-stay-in-their-homes\/","title":{"rendered":"New Law Helps More Veterans Stay in Their Homes"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Today, 7\/30\/2025, President Trump signed the <a href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/house-bill\/1815\/text\" title=\"Va Home loan reform act\">VA Home Loan Program Reform Act<\/a> into law<\/strong>, and for thousands of veterans across the country, this could be a game-changer. This bill passed unanimously in both the House and the Senate, which is nearly unheard of in politics. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drop your rate with a <a href=\"https:\/\/riverbankfinance.com\/blog\/va-irrrl-how-veterans-are-saving-200-month-with-one-simple-refinance\/\" title=\"\">VA IRRRL Refinance Mortgage<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re a veteran using the <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/va-loan.html\" title=\"\">VA home loan<\/a> benefit \u2014 or you know someone who is \u2014 here\u2019s what this new law actually does and why it matters.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s the Problem This Law Fixes?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say you\u2019re a veteran who bought a home with a VA loan. Maybe everything was fine when you closed on the house, but then life happened. You got laid off. Medical bills stacked up. Maybe your spouse lost their job. Suddenly, you\u2019re struggling to make your mortgage payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before today, if you fell behind, the VA had limited options to help \u2014 and in many cases, the lender could move forward with foreclosure even if the VA wanted to step in. That simply is not right.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The new law <strong>changes that<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What This New Law Does<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"456\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1024x456.png\" alt=\"\" class=\"wp-image-4994\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1024x456.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-300x134.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-768x342.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image.png 1138w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s how the <strong>VA Home Loan Program Reform Act<\/strong> helps veterans stay in their homes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gives the VA more power to stop foreclosures.<\/strong><br>The VA can now directly work with lenders and even pay off part of the loan to keep a veteran in their home \u2014 something they couldn\u2019t easily do before.<\/li>\n\n\n\n<li><strong>Makes lenders cooperate.<\/strong><br>Lenders now have to work with the VA to try to find solutions \u2014 like pausing payments or restructuring the loan \u2014 instead of jumping straight to foreclosure.<\/li>\n\n\n\n<li><strong>Speeds up help.<\/strong><br>The VA\u2019s decisions to help a veteran are now final. No more red tape, no delays, no court battles. Just action.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Real Example: How This Might Help a Vet<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Take someone like <em>Mike<\/em>, a Marine Corps vet who used his VA loan to buy a modest home outside Detroit. After a few good years, Mike hit a rough patch. His hours at work were cut, and he got behind on payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before this law, Mike\u2019s lender could have started foreclosure even if the VA wanted to help. Now, the VA can jump in, work with the lender, and give Mike more time or even make a payment on his behalf to stop the foreclosure \u2014 keeping him and his family in their home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Veterans have served this country \u2014 often under tough conditions \u2014 and the least we can do is make sure they don\u2019t lose their homes when they fall on hard times. This law doesn\u2019t create handouts. It gives the VA the power to do the right thing, quickly and effectively, when a veteran is struggling.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens Next?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Now that the bill is signed, the Department of Veterans Affairs can begin using its new authority right away. If you or a loved one is having trouble with mortgage payments on a VA-backed loan, <strong>reach out to your loan servicer and the VA\u2019s loan assistance program<\/strong> to see what options are now available under this law.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">VA Interest Rates Reduction Refinance Loans (VA IRRRL)<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1.png\"><img loading=\"lazy\" decoding=\"async\" width=\"303\" height=\"95\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1.png\" alt=\"\" class=\"wp-image-4995\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1.png 303w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2025\/07\/image-1-300x94.png 300w\" sizes=\"auto, (max-width: 303px) 100vw, 303px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Another option for veterans to lower the monthly mortgage payments is to take advantage of a <a href=\"https:\/\/riverbankfinance.com\/blog\/how-to-lower-your-interest-rate-without-an-appraisal-fha-streamline-va-irrrl\/\" title=\"\">VA IRRRL<\/a> program.  This refinance loan requires no income documentation and no appraisal for the property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As long as a Veteran has a VA loan with on time payment for the past 12 months and the rates have dropped at least .5%, they may be able to save on their monthly mortgage payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Apply for a VA Loan Refinance:<\/strong><\/p>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4992#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"application_form\">\n\t<div class=\"block_top\" id=\"apply_form\">\n\t<\/div>\n\t<div class=\"spacer_top\">\n\t<\/div>\n\t<div class=\"ApplyFullHeader\">\n\t\t<p class=\"replaceheader\">Request Home Loan Information Now!\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"blueBox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"221\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts on the VA Home Loan Reform Act<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This new law is a win for common sense \u2014 and a huge step forward in protecting the homes of those who\u2019ve served. It won\u2019t make headlines like other political stories do, but for thousands of veterans, it could mean everything.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today, 7\/30\/2025, President Trump signed the VA Home Loan Program Reform Act into law, and for thousands of veterans across the country, this could be a game-changer. This&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[308,305,854,423],"tags":[1112,1108,661,1110,1109,1107,1111],"class_list":["post-4992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-tips","category-refinance-2","category-va","category-va-loan","tag-housing-help-for-veterans","tag-trump-signs-veteran-housing-bill","tag-va-home-loan","tag-va-home-loan-program-reform-act","tag-va-loan-foreclosure-help","tag-va-loan-modification-2025","tag-veteran-mortgage-relief"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Today, 7\/30\/2025, President Trump signed the VA Home Loan Program Reform Act into law, and for thousands of veterans across the country, this could be a game-changer. 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Drop your rate with a VA IRRRL Refinance Mortgage If\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Anthony Bird\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/riverbankfinance.com\/blog\/new-law-helps-more-veterans-stay-in-their-homes\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Michigan Mortgage Blog - Michigan mortgage programs and home loans | FHA | Refinance | Purchase | Grand Rapids Mortgage\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"New Law Helps More Veterans Stay in Their Homes - VA Home Loan Program Reform Act\" \/>\n\t\t<meta property=\"og:description\" content=\"Today, 7\/30\/2025, President Trump signed the VA Home Loan Program Reform Act into law, and for thousands of veterans across the country, this could be a game-changer. 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