The VALID Act of 2025 requires mortgage lenders to inform FHA loan applicants about VA home loan options as an alternative financing method. Specifically, the bill amends federal housing law to mandate that lenders provide FHA borrowers with information about VA loans, including estimated interest rates, so potential homebuyers can compare their options before committing to an FHA loan. Additionally, the legislation requires that a military service question be added to the standard Uniform Residential Loan Application form used across the mortgage industry, positioned prominently above the signature line to help identify eligible borrowers. The Federal Housing Finance Agency must issue rules implementing these changes within six months of the bill's enactment. The bill does not require lenders to determine whether borrowers are actually eligible for VA loans—only that they provide information about the program to FHA applicants who may qualify.
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