The VALID Act of 2025 mandates VA loan information in FHA disclosures and adds a military service question on loan applications.
The VALID Act of 2025 amends the National Housing Act to include information about VA home loans in the Informed Consumer Choice Disclosure given to prospective FHA borrowers. It also requires the Uniform Residential Loan Application to include a military service question, positioned above the signature line. The Director of the Federal Housing Finance Agency must issue a rule to implement these changes within six months of the Act's enactment. This Act does not require lenders to determine a borrower's eligibility for VA loans.
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- Critical Issues
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