The Veteran Owner-Builders Rights Act establishes a pilot program allowing the Department of Veterans Affairs to provide direct housing loans to veterans in rural areas to purchase land and build new homes. Veterans receiving loans must occupy the constructed home as their primary residence for at least 24 consecutive months, and loans will carry a one percent interest rate with terms based on existing VA housing loan standards. The bill requires that homes be constructed using domestically-sourced materials, particularly domestic lumber for structural components, and mandates that state and local governments issue construction permits within 45 days with fees paid by the VA. If a veteran sells, transfers, or leases the home before the 24-month occupancy period ends, the loan will be accelerated and become immediately due, though the Secretary may waive this requirement for military deployment, medical hardship, or other unavoidable circumstances. The pilot program is authorized with five million dollars for fiscal year 2027 and will expire five years after enactment, with the VA beginning operations within 180 days.