The House Our Heroes Act amends veterans' housing loan programs to help veterans facing financial hardship. The bill gives the Secretary of Veterans Affairs authority to offer educational courses to veterans whose VA-guaranteed loans are delinquent or in foreclosure, covering topics like credit improvement, financial management, and loss mitigation options. Additionally, for loans that defaulted between May 1, 2025, and November 28, 2026, the Secretary gains flexibility to offer partial claim payments and modify loan terms such as interest rates or payment schedules without following the normal sequence of collection procedures. This legislation is designed to provide struggling veterans with both financial education and expanded relief options to help them keep their homes.