Big Win for Veteran Home Buyers: U.S. House Unanimously Passes VA Home Loan Reform Act


In a major step forward for veteran home buyers, the U.S. House of Representatives has unanimously passed H.R. 1815, the VA Home Loan Reform Act. This bipartisan bill delivers meaningful change for those who’ve served our country—especially here in the Portland metro area, where navigating a competitive market often requires expert real estate representation.

What the Bill Does:
The VA Home Loan Reform Act makes permanent a provision that allows veterans to directly compensate their real estate agents**, a practice that was only temporarily permitted starting in June 2024. Previously, VA buyers were the only group prohibited from paying for professional real estate services out-of-pocket—placing them at a distinct disadvantage when competing against conventional buyers in multiple-offer situations.

With this new law, veterans can now work with the agent of their choice, receive full representation, and level the playing field in today’s fast-paced housing market. For Portland veterans, this change empowers smarter, more protected home purchases—especially in neighborhoods where quick decisions and well-written offers make all the difference.

Support for Veterans in Financial Distress
The bill also introduces a partial claims program for VA borrowers who fall behind on mortgage payments. This would give veterans more time and structure to recover from temporary hardship without losing their homes—a crucial safety net as housing affordability and economic challenges continue nationwide.

Backed by the National Association of REALTORS®
The National Association of REALTORS® (NAR) played a pivotal role in pushing this legislation forward, advocating for fair housing access and proper representation for all veterans. Their leadership helped secure unanimous support in the House, and the bill now moves to the Senate for final consideration.


Why This Matters in Portland
Veterans in the Portland-Vancouver metro area often face stiff competition and rising home prices. With H.R. 1815, local VA buyers gain stronger footing—whether purchasing in Beaverton, Hillsboro, Vancouver, or right here in Portland proper. Having the freedom to hire trusted, experienced agents means better outcomes, clearer guidance, and fewer surprises in the biggest investment of their lives.


Stay tuned—we’ll continue to follow this important legislation as it moves to the Senate. In the meantime, if you're a veteran looking to buy or sell in the Portland area, our team specializes in VA transactions and is here to help you navigate the process with confidence.

📞 Contact us today 503-997-4169 to get started or learn more about how these changes may benefit you.