Bill · H.R. 7009· House(119-HR-7009)
Home Affordability for Guard and Reserve Act
- Introduced
- 1/12/2026
- Last activity
- 2/4/2026 — Referred to the Subcommittee on Economic Opportunity.
- Sponsored by
- Tom Barrett
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
The Home Affordability for Guard and Reserve Act aims to amend title 38 of the United States Code. The bill seeks to expand eligibility for housing loans guaranteed by the Secretary of Veterans Affairs. This expansion focuses on members of the reserve components and the National Guard who perform specific duties. It also introduces a new definition for "active duty" regarding these specific groups. Furthermore, the act establishes eligibility for certain individuals after they complete a minimum amount of service and training.
Yes· 3 of 4
Would veterans be better off under this, taking everything together?+6
The bill expands the definition of veteran for housing loan purposes to include certain members of the National Guard and reserve components.
Does this increase the pay, pensions or support veterans receive?+6
The bill expands housing loan eligibility for National Guard and reserve members who complete specific service requirements.
Does this make housing cost less?+5
The bill expands eligibility for VA-guaranteed housing loans to members of the National Guard and reserve components.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Expanded Housing Loan Eligibility: Members of the reserve components and the National Guard can gain access to guaranteed housing loans through an expanded definition of "active duty" (Section 2).
-
Expanded Definition of Active Duty: This provides more ways for reserve components and National Guard members to qualify for benefits based on specific service types, such as inactive-duty training, annual training duty, or full-time service for organizing and recruiting (Section 2(a)).
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Access for Personnel with Limited Service: Individuals who have completed at least 14 days of specific service and continued through entry level and skill training can now be considered "veterans" for home loan purposes (Section 3(a)).
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Mandatory Notification: The Secretary of Veterans Affairs is required to notify members of the reserve components or National Guard who complete entry level and skill training about their potential eligibility for these housing loan benefits (Section 3(d)).
Potential Negative Impacts for People
- Additional Loan Fee: Individuals qualifying for housing loans under the new expanded eligibility criteria described in section 3701(b)(8) will be subject to an additional loan fee of 1.00 added to the percentage in the loan fee table (Section 3(a) and Section 3(c)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Veterans+6Good For Low Income Households+4
- National Security And Foreign Policy
- Improves Veterans Benefits+6
- Social Issues And Justice
- Improves Affordable Housing+5
- 2/4/2026
- Referred to the Subcommittee on Economic Opportunity.
- 1/12/2026
- Referred to the House Committee on Veterans' Affairs.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.