At Royale Real Estate, we believe knowledge is power—especially when it comes to homeownership. A new law just signed by the President is big news for veterans, real estate professionals, and the housing market as a whole. It’s called the VA Home Loan Reform Act (H.R. 1815), and it’s packed with changes that make buying—and keeping—a home more accessible for those who have served.

Let’s break down what’s in the law, why it matters, and how it could affect your next move.

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1. Stronger Foreclosure Protection for Veterans

Life happens—and sometimes, that means falling behind on mortgage payments. Before this law, VA borrowers who hit tough times had fewer options to avoid foreclosure.

Now, the VA can advance funds to cover missed payments through a new permanent partial claim program.

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  The missed payments aren’t forgiven, but they’re added as a second lien, meaning the homeowner doesn’t have to refinance or lose the original loan terms.

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  This can help veterans get back on their feet without losing their homes.

Think of it as a financial safety net—one that keeps veterans in their homes and communities stable.

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2. A Fairer Playing Field in Home Buying

Until now, VA loan rules often blocked veterans from paying their own buyer-agent commissions. In competitive markets, that made it harder for veterans to get the representation they deserved—especially if sellers weren’t willing to cover commissions.

The new law changes that for good. Veterans can now pay their own agent if needed, giving them the same competitive footing as any other buyer. This is a huge win for veteran home shoppers—especially in multiple-offer situations where strong representation makes all the difference.

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3. More Than Just Homeownership

The law doesn’t stop at buying and keeping homes. It also expands funding for the VA’s Grant and Per Diem (GPD) program, which supports transitional housing and homelessness prevention for veterans.

This is about more than real estate—it’s about stability, dignity, and giving back to those who’ve served.

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Why This Matters for the Real Estate Market

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  For Buyers: Veterans now have more flexibility and more tools to succeed in a competitive market.

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  For Sellers: A larger pool of well-supported buyers can mean more offers and more stability in transactions.

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  For the Market as a Whole: By preventing foreclosures and supporting veteran buyers, the law helps maintain healthy homeownership rates and stable communities.

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The Royale Real Estate Perspective

At Royale Real Estate, we work with many veteran clients—and we know firsthand how VA loans can open doors. These reforms remove unnecessary barriers and add vital protections, making the dream of homeownership more attainable.

If you’re a veteran thinking about buying or selling, now’s a great time to revisit your plans. Lower competition from unnecessary restrictions and new safeguards for your loan could work in your favor.

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?? Ready to take the next step?
Our team is here to guide you through the VA loan process, connect you with trusted lenders, and help you find the right home for your needs.

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Sources: National Mortgage Professional, National Association of Realtors, VA Loan Network