US HB3384

Amends the VA loan fee table in title 38, United States Code, to establish a tiered fee structure for Interest Rate Reduction Refinancing Loans (IRRRLs) based on closing date

Sets loan fees at 0.50% for loans closed August 1, 2025 through December 30, 2025

Reduces fees to 0.25% for loans closed December 31, 2025 through December 30, 2027

Increases fees to 0.50% from December 31, 2027 through December 30, 2032, then to 0.75% from December 31, 2032 through December 30, 2035, before returning to 0.50% for loans closed on or after December 31, 2035

Fee rates apply uniformly across all veteran categories (first-time users, subsequent users, and reservists/National Guard members)