I 
119TH CONGRESS 
1ST SESSION H. R. 3720 
To amend title 38, United States Code, to make certain improvements in 
the guidance provided by the Department of Veterans Affairs to lenders 
regarding the sufficiency of veterans’ residual income, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 4, 2025 
Ms. KING-HINDS (for herself and Mr. VAN ORDEN) introduced the following 
bill; which was referred to the Committee on Veterans’ Affairs 
A BILL 
To amend title 38, United States Code, to make certain 
improvements in the guidance provided by the Depart-
ment of Veterans Affairs to lenders regarding the suffi-
ciency of veterans’ residual income, and for other pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Heroes Owning and 
Materializing Equity Act of 2025’’ or the ‘‘HOME Act of 
2025’’. 
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SEC. 2. IMPROVEMENT OF DEPARTMENT OF VETERANS AF-
FAIRS GUIDANCE TO LENDERS ON SUFFI-
CIENCY OF VETERANS’ RESIDUAL INCOME. 
Section 3710(i) of title 38, United States Code, is 
amended— 
(1) in paragraph (3)(A)— 
(A) in clause (viii), by striking ‘‘and’’ at 
the end; 
(B) by redesignating clause (ix) as clause 
(x); and 
(C) by inserting after clause (viii) the fol-
lowing new clause (ix): 
‘‘(ix) nonprofit financial service organizations; 
and’’; and 
(2) by adding at the end the following new 
paragraph: 
‘‘(6) The Secretary shall coordinate with nonprofit 
organizations that advocate for veterans to offer financial 
counseling, on a voluntary basis, to veterans who are pur-
chase homes using loans guaranteed under this chapter.’’. 
SEC. 3. DATABASE OF ADAPTED HOUSING FOR SALE. 
Section 2101 of title 38, United States Code, is 
amended by— 
(1) redesignating subsection (c) as subsection 
(d); and 
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(2) inserting after subsection (b) the following 
new subsection (c): 
‘‘(c) DATABASE.—(1) The Secretary shall develop a 
database that includes a list of residences that— 
‘‘(A) are for sale; 
‘‘(B) have been adapted for a disabled veteran 
under this section; and 
‘‘(C) the seller of which elects to include in the 
database. 
‘‘(2) The shall make such database available to a dis-
abled veteran who is interested in purchasing a residence 
adapted under this section.’’. 
SEC. 4. OUTREACH TO VETERANS RESIDING IN UNITED 
STATES TERRITORIES. 
Section 2101A of title 38, United States Code, is 
amended— 
(1) by redesignating subsection (d) as sub-
section (e); and 
(2) by inserting after subsection (c) the fol-
lowing new subsection (d): 
‘‘(d) OUTREACH TO VETERANS RESIDING IN TERRI-
TORIES.—The Secretary shall conduct outreach to vet-
erans who reside in Territories of the United States re-
garding eligibility for benefits under this section.’’. 
Æ 
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