HR 299 RFS
‘‘Type of loan 
Active duty 
veteran 
Reservist 
Other obli-
gor 
(A)(i) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after October 
1, 2004, and before January 1, 
2019) 
2.15 
2.40 
NA 
(A)(ii) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after January 
1, 2019, and before December 1, 
2027) 
2.40 
2.40 
NA 
(A)(iii) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after Decem-
ber 1, 2027, and before October 1, 
2028) 
2.15 
2.15 
NA 
(A)(iv) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after October 
1, 2028) 
1.40 
1.40 
NA 
(B)(i) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after October 1, 2004, and before 
January 1, 2019) 
3.30 
3.30 
NA 
(B)(ii) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after January 1, 2019, and before 
December 1, 2027) 
3.80 
3.80 
NA 
(B)(iii) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
3.30 
3.30 
NA 
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‘‘Type of loan 
Active duty 
veteran 
Reservist 
Other obli-
gor 
(B)(iv) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after October 1, 2028) 
1.25 
1.25 
NA 
(C)(i) 
Loan 
described 
in 
section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed before 
January 1, 2019) 
1.50 
1.75 
NA 
(C)(ii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after January 1, 2019, and before 
December 1, 2027) 
1.75 
1.75 
NA 
(C)(iii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
1.50 
1.50 
NA 
(C)(iv) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after October 1, 2028) 
0.75 
0.75 
NA 
(D)(i) 
Loan 
described 
in 
section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed before 
January 1, 2019) 
1.25 
1.50 
NA 
(D)(ii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after January 1, 2019, and before 
December 1, 2027) 
1.45 
1.45 
NA 
(D)(iii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
1.25 
1.25 
NA 
(D)(iv) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after October 1, 2028) 
0.50 
0.50 
NA 
(E) Interest rate reduction refinancing 
loan 
0.50 
0.50 
NA 
(F) Direct loan under section 3711 
1.00 
1.00 
NA 
(G) Manufactured home loan under 
section 3712 (other than an interest 
rate reduction refinancing loan) 
1.00 
1.00 
NA 
(H) Loan to Native American veteran 
under section 3762 (other than an 
interest rate reduction refinancing 
loan) 
1.25 
1.25 
NA 
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‘‘Type of loan 
Active duty 
veteran 
Reservist 
Other obli-
gor 
(I) Loan assumption under section 
3714 
0.50 
0.50 
0.50 
(J) Loan under section 3733(a) 
2.25 
2.25 
2.25’’. 
(c) WAIVER OF FEES FOR PURPLE HEART RECIPI-
ENTS; COLLECTION OF CERTAIN LOAN FEES.—Section 
3729(c) of such title is amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘A fee’’ and inserting 
‘‘Subject to paragraph (3), a fee’’; 
(B) by striking ‘‘or from a surviving 
spouse’’ and inserting ‘‘, from a surviving 
spouse’’; and 
(C) by inserting before the period at the 
end the following: ‘‘, or from a member of the 
Armed Forces serving on active duty who was 
awarded the Purple Heart’’. 
(2) by adding at the end the following new 
paragraph: 
‘‘(3) A fee shall be collected under this section from 
any veteran with a service-connected disability rated as 
less than total, any surviving spouse of such a veteran, 
and any member of the Armed Forces who, on or after 
January 1, 2019, receives a loan in an amount that ex-
ceeds the Freddie Mac conforming loan limit limitation de-
termined under section 305(a)(2) of the Federal Home 
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Loan Mortgage Corporation Act (12 U.S.C. 1454(a)(2)) 
for a single-family residence, as adjusted for the year in-
volved.’’. 
(d) EFFECTIVE DATE.—The amendments made by 
this section shall apply with respect to a loan guaranteed 
under section 3710 of title 38, United States Code, on 
or after January 1, 2019. 
(e) GUIDANCE.—Notwithstanding section 501 of such 
title, the Secretary of Veterans Affairs may issue guidance 
to implement this section before prescribing new regula-
tions under sections 3703 and 3729 of such title, as 
amended by subsections (a), (b), and (c). 
SEC. 7. INFORMATION GATHERING FOR DEPARTMENT OF 
VETERANS AFFAIRS HOME LOAN APPRAIS-
ALS. 
(a) IN GENERAL.—Section 3731(b) of title 38, 
United States Code, is amended by adding at the end the 
following new paragraph: 
‘‘(3) The Secretary shall permit an appraiser on a 
list developed and maintained under subsection (a)(3) to 
make an appraisal for the purposes of this chapter based 
solely on information gathered by a person with whom the 
appraiser has entered into an agreement for such serv-
ices.’’. 
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(b) EFFECTIVE DATE.—The amendments made by 
this section shall apply with respect to an appraisal under 
section 3731 of such title, on or after January 1, 2019. 
(c) GUIDANCE.—Notwithstanding section 501 of such 
title, the Secretary of Veterans Affairs may issue guidance 
to implement this section before prescribing new regula-
tions under sections 3731 of such title, as amended by 
subsection (a). 
Passed the House of Representatives June 25, 2018. 
Attest: 
KAREN L. HAAS, 
Clerk. 
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