Congress cleared the VA Home Loan Program Reform Act on 16 July, with the Senate approving the measure by unanimous consent after earlier House passage. The bipartisan bill—formally H.R. 1815—now awaits President Donald Trump’s signature. The legislation authorizes the Department of Veterans Affairs to establish a permanent partial claim program, allowing veterans who have fallen behind on mortgage payments to defer the delinquent amount and avert foreclosure. Mortgage-industry groups estimate the tool could help more than 20,000 seriously delinquent borrowers keep their homes. H.R. 1815 also makes permanent a temporary rule permitting veterans to pay real-estate agent commissions directly and increases funding authority for the VA’s Grant and Per Diem program, which supports transitional housing for homeless veterans. The measure drew endorsements from the National Association of Realtors, Mortgage Bankers Association, Veterans of Foreign Wars and other advocacy groups. In a joint statement, Senate Veterans’ Affairs Committee Chair Jerry Moran and Ranking Member Richard Blumenthal, along with their House counterparts Mike Bost and Mark Takano, said the bill "empowers VA to preserve veteran homeownership and save taxpayer dollars by avoiding preventable foreclosures."