Affordable Homes for Veterans Act of 2026 codifies 45-day processing timelines for VA loan assumptions and mandates an Inspector General assessment.
The Affordable Homes for Veterans Act of 2026 establishes a statutory requirement for servicers of Department of Veterans Affairs (VA) home loans to process applications for loan assumptions within 45 calendar days. Servicers are prohibited from suggesting or implying that processing will take longer than 45 days. The Act also mandates the VA Inspector General to conduct an assessment of servicer compliance with these timelines, including analysis of processing times, denial rates, and potential discrimination.
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