People looking at an FHA loan would also see how a VA home loan compares. The main mortgage form would ask about military service, but lenders would not have to check VA loan eligibility.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
VALID Act of 2025 is a House bill committee Action. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.R. 3694: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects homebuyers with military service who may qualify for VA-backed loans. It also affects FHA borrowers, mortgage lenders, Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency. The biggest practical change is that military service could become easier to spot during the mortgage application process.
Why this matters: Some eligible service members and veterans may miss VA loan options when they shop for a mortgage. This bill tries to put that option in front of them earlier. VA loans can have different costs and rules than FHA or private loans, such as down payment or mortgage insurance differences. The bill could improve awareness, but it does not change VA loan benefits or require lenders to guide borrowers into a VA loan.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: VALID Act of 2025
People looking at an FHA loan would also see how a VA home loan compares. The main mortgage form would ask about military service, but lenders would not have to check VA loan eligibility.
Use this page to support, oppose, or ask Congress to amend HR3694. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (6/3/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to VALID Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (Committee Action), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR3694, your stance, and the reasons you choose, then lets you edit and send when ready.
