US HB2791

Increases the maximum VA housing loan guaranty entitlement from 25 percent to 37.5 percent of the Freddie Mac conforming loan limit for certain veterans

Establishes a tiered fee structure for VA Interest Rate Reduction Refinancing Loans (IRRRLs) with fees varying by time period:

• 0.50% for loans closed August 1, 2025 through December 30, 2025
• 0.25% for loans closed December 31, 2025 through December 30, 2027
• 0.50% for loans closed December 31, 2027 through September 30, 2031
• 0.75% for loans closed October 1, 2031 through December 30, 2035
• 0.50% for loans closed on or after December 31, 2035

Amends Title 38 of the United States Code (veterans' benefits law)

Introduced by Rep. Miller of Ohio on April 9, 2025; reported with amendment by the House Committee on Veterans' Affairs on September 18, 2025