What’s Changing for VA Homebuyers in California
Veterans and active service members in California — you’ve earned your home through a VA loan...but what happens when life gets complicated? On July 30, 2025, H.R. 1815, the VA Home Loan Program Reform Act, was signed into law bringing real, actionable hope and it’s a game-changer for homeowners with VA loans. It establishes a brand-new Partial Claim Program that allows the VA to cover up to 25% (or 30% during pandemic hardship) of your missed mortgage balance. No monthly payments. No immediate out-of-pocket obligation. You only repay when you sell, refinance, or pay off your loan.
The Impact of H.R. 1815 on Veteran Foreclosures
This new law is designed to stop foreclosure, providing an avenue for veterans behind on payments to regain stability instead of losing their homes. It’s a lifeline tailored for those who've served our nation — especially relevant in high-cost California real estate markets.
How the New Partial Claim Program Works
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VA pays a portion of your delinquent balance
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That amount becomes a zero‑interest lien on your home
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No payment due unless your home is sold/refinanced
Why This Matters for First-Time Homebuyers in California
Even if you're not a veteran, this update benefits California’s real estate ecosystem. Programs like this increase confidence in the VA loan backbone — which means more veterans stay in homes, stabilize neighborhoods, and contribute to local markets.
Reality of Financial Hardship
Medical bills, job changes, or COVID ripple effects are real challenges. Many first-time and veteran buyers understand what it feels like to fall behind through no fault of their own.
Stability Through Legislative Updates
Knowing that tools like this Partial Claim Program exist brings peace of mind. It’s about having a safety net — not a punishment.
VA Relief vs. Other Home Loan Options
Understanding your choices helps you stand firm in tough times. Here’s how they compare:
Forbearance: A Temporary Pause
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You stop payments temporarily, but your balance still grows.
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You must catch up — usually in a lump sum or through added monthly costs.
VA Partial Claim Program: A Clean Reset
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VA pays your arrears — you don’t.
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You’re current immediately.
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Zero interest, no surprise payment plan, no loan term adjustment.
How to Qualify: Eligibility & Early Steps
You may qualify if:
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You have a VA-guaranteed home loan
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The home is your primary residence in California
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You’re in default or at imminent risk
Next steps:
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Contact your mortgage servicer.
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Ask about the Partial Claim Program under H.R. 1815.
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Mention your situation and request guidance with documentation of your hardship.
Your Next Smart Move:
Don’t wait. In California’s competitive housing market, timing is everything. If you or someone you know is behind on a VA loan:
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Call your mortgage servicer today
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Explain "H.R. 1815 Partial Claim Program" — it’s now effective
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Share this blog with veterans and first-time homebuyers
Free Resources for You
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Catch up on the latest California real estate updates, first-time buyer advice, and VA loan news.
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📞 Book a Free 15-Minute Consultation
Have questions about your options or the VA Partial Claim Program? Let’s chat one-on-one.
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xo,
Michelle
I help first-time homebuyers save time, save money, and make the process smooth.
