Tom Barrett (R-MI)
Home Affordability for Guard and Reserve Act
A Republican bill with no cosponsors
Last activity — Referred to the Subcommittee on Economic Opportunity.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- 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
- Scored +6
Would veterans be better off under this, taking everything together?
The bill expands the definition of veteran for housing loan purposes to include certain members of the National Guard and reserve components.
- Scored +6
Does this increase the pay, pensions or support veterans receive?
The bill expands housing loan eligibility for National Guard and reserve members who complete specific service requirements.
- Scored +5
Does this make housing cost less?
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
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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).
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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. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would veterans be better off under this, taking everything together? — The bill expands the definition of veteran for housing loan purposes to include certain members of the National Guard and reserve components. Would households on low incomes be better off under this? — By expanding access to VA-guaranteed loans, the bill may assist low-income service members in achieving homeownership.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill expands housing loan eligibility for National Guard and reserve members who complete specific service requirements.
- Social Issues And Justice
- Does this make housing cost less? — The bill expands eligibility for VA-guaranteed housing loans to members of the National Guard and reserve components.
- 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.