The VA Loan Informed Disclosure Act of 2025 (VALID Act) requires lenders to provide more information to people applying for FHA loans about VA home loan options as an alternative. Specifically, the bill amends housing laws to ensure that FHA loan applicants receive disclosure information comparing FHA loans with VA loans, including details about prevailing VA interest rates. Additionally, the bill requires mortgage lenders to add a question about military service to the standard mortgage application form and position it prominently above the signature line. The Federal Housing Finance Agency must issue rules to implement the military service question requirement within six months of the bill's enactment. The legislation is designed to help military members and veterans learn about VA loan benefits when they are considering FHA mortgages, ensuring they can make informed borrowing decisions.
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