VALID Act of 2025

This bill requires lenders to include VA loan options in standard mortgage disclosures when discussing loan choices, alongside other options like FHA loans. It mandates adding a military service question to the Uniform Residential Loan Application form, positioned above the signature line. The change applies to all lenders using this standard form, ensuring veterans are identified early in the application process. The bill does not alter VA loan benefits but improves transparency about available options for military borrowers.