HomeMy WebLinkAbout081225 - VA Home Loan Program Reform ActALERT: BE CAUTIOUS This email originated outside the organization. Do not open attachments or click on links if you are not expecting them.
Authorizes VA to take certain actions in cases of default on home loans under the VA home loan program and establishes a partial claim progr
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NewsFlash
VA Home Loan Program Reform Act
In July, President Trump Signed Landmark VA Home Loan Program Reform Act into Law <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.congress.gov%2Fbill%2F119th-congress%2Fhouse-bill%2F1815/1/01000
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This bill authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program and establishes a partial claim
program.
First, the bill authorizes the VA to pay the holder of a loan guaranteed by the VA an amount necessary to avoid the foreclosure of the loan, provided that the holder of the loan and
the Veteran obligated on the loan execute documents to ensure the VA obtains a secured interest in the property covered by the loan.
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E5bsHX-C96VvCurY3VoJQk2WRjAbIy8=417>
The VA must prescribe loss mitigation procedures to help prevent the foreclosure of such a home loan. The VA may not take specified administrative actions (e.g., consent to the modification
of loan terms) until the sequence of mitigation options has been completed.
Next, the bill establishes a five-year Partial Claim Program under which the VA may make a partial claim (purchase a portion of the indebtedness) on VA loans for primary residences that
are in default or at imminent risk of default. Individuals who default on loans for which the VA has made a partial claim under this program must be liable to the VA for any loss resulting
from the default.
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➤ NewsFlash <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2Findex.asp/2/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/Rzjc45EnUYeZmMVv_72iHZp1
8z6HnHOmye-UsPTkLWY=417>
➤ Adaptive Sports <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2FAdaptiveSports.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/Qz0g3N-Pl
l1OUF2P-9w6HDQl__u8PavPf6SjZ_RWdjk=417>
➤ Financial Readiness <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2FFinancialReadiness.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/-
I6Xyxmxupf_7lDE_2Ds_vc9hxpeND1naX2XgFu2mlY=417>
➤ Resources <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2Fresources.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/ofC6esl_w2O08DmtkvpQ
Puytke6BREDm8tKwfg6OaBs=417>
➤ Service Dogs <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2FServiceDogs.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/OGh0jJehL2NQedY
sVNC7tKm_RX-6s3KdqyA5FzgPGGg=417>
➤ Transition Assistance <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2FTransitionAssistance.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-0000
00/SXrA1rZ59bwD4rgOR9cQqyPvnIuXZZRGhL0t2OP5w6Q=417>
➤ Warrior Care <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FNewsflash%2FWarriorCare.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/zc2esySwqpK-iLo
MceBC4fBCRqZZ8V1iH0m4F9pc-uE=417>
FORWARD MARCH: Four (4) of the six (6) states in Veterans Integrated Service Network (VISN) 20 (Alaska <https://links-1.govdelivery.com/CL0/https:%2F%2Fveterans.alaska.gov%2Fbenefits%2Fadditional-ben
efits%2Ftaxes-and-land%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/TS9pv3d1EiQmVzycIomtOk-QeaMz95QS6A2gRL1Ov-k=417> , California <https://links-1.govdelivery.com/CL0/https:%2F%2
Fwww.calvet.ca.gov%2Fcalvet-programs%2Fhome-loans/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/FkjyJ7p0_1uVmOrDDpsbHNIVUGvrnCX3WbNJU7ALJJk=417> , Montana <https://links-1.govdeliver
y.com/CL0/https:%2F%2Fcommerce.mt.gov%2FHousing%2FLenders-Realtors%2FVeterans-Home-Loan-Program/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/MQVLDxkYwdSovlHpbUvA5vEiuOez2RrTWfyTkOZL
Dl8=417> , and Oregon <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.oregon.gov%2Fodva%2FHome-Loans%2FPages%2FEligibility.aspx/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/NMn
0AFnEHXxzFsZNfnwZiklBROSP1U_I89OmKWaFE3Q=417> ) provide home loan benefits for military Veterans. All states in VISN 20 provide homeownership resources for eligible military Veterans.
Finally, the VA must report to Congress on its strategy to ensure that Veterans who purchase homes under the VA home loan program are not at a disadvantage when attempting to secure
representation by a real estate agent or broker.
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HOMEOWNERSHIP RESOURCES
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Alaska Office of Veterans Affairs <https://links-1.govdelivery.com/CL0/https:%2F%2Fveterans.alaska.gov%2Fhome%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/C5IsNaiYTk4Aqs6VCvgCja6
1rkn2fVnAALNr_l7RM04=417> — Home loan programs for Veterans <https://links-1.govdelivery.com/CL0/https:%2F%2Fveterans.alaska.gov%2Fbenefits%2Fadditional-benefits%2Ftaxes-and-land%2F/2/010001989f7de6
aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/kzgEfaLC8mQ9jpf_8YUNVbhopauSfB-9G2AudOwLw3A=417> — Disabled Veteran Property Tax Exemption <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.commerc
e.alaska.gov%2Fweb%2Fdcra%2FLocalGovernmentResourceDesk%2FTaxationAssessment%2FPropertyTaxExemptionsinAlaska.aspx/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/vCqWKMq9o58SLWpN43G1TH
Aq6p2LqN6seQK9lbcGyKo=417>
California Department of Veterans Affairs <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.ca.gov%2Fdepartments%2F163%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/ATEGQJ84oL7
nquJiLX8O3xhBAA31HdzEVybJhi5vkLE=417> — CALVET Home Loans <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.calvet.ca.gov%2Fcalvet-programs%2Fhome-loans/2/010001989f7de6aa-bb0c7be0-3fa2-4642-805f
-ade3ed138f7d-000000/6rEIBtWvBju44ltmFCNFuwsFuQuNvcEwuwWrifFJYL4=417> — Disabled Veterans' Property Tax Exemption <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.calvet.ca.gov%2FVetServices%2FP
ages%2FProperty-Tax-Exemptions.aspx/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/xu8lV-h4pL8aNADjmGANEjC7riOxbzbYBmyfeVu-6Sc=417>
Idaho Division of Veterans Services <https://links-1.govdelivery.com/CL0/https:%2F%2Fveterans.idaho.gov%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/AIYCgL6HrUm2ApoGwb_F2JsvB2FWD
cTg1_xezqQ51zA=417> — Property Tax Benefit for Disabled Veterans <https://links-1.govdelivery.com/CL0/https:%2F%2Ftax.idaho.gov%2Ftaxes%2Fproperty%2Fhomeowners%2Fveteran-benefit%2F/1/010001989f7de6a
a-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/7C8oI_G538im-CInrO5a3kyERkoxceY4rWQhgYztk5M=417> — Veteran grants for food, fuel, shelter, and other necessities <https://links-1.govdelivery.com/CL0/ht
tps:%2F%2Fveterans.idaho.gov%2Fpressrelease%2Fidaho-veterans-emergency-relief-grant-application%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/B23KeVhqkZ0DGI2O46Kq2_WBcYgKAsS1hPmNW
RGiohs=417>
Montana Veterans Affairs Division <https://links-1.govdelivery.com/CL0/https:%2F%2Fdma.mt.gov%2Fmvad%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/KaRMcG_wld6WayKz7EebhlsAAbQw7pGL
3SzbKNtmFTU=417> — Montana Veterans’ Home Loan Mortgage Program <https://links-1.govdelivery.com/CL0/https:%2F%2Fcommerce.mt.gov%2FHousing%2FLenders-Realtors%2FVeterans-Home-Loan-Program/2/010001989
f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/wy8oH9wThY6FIqjBo4FG0MhDTQHkcG8dg-PtOyxlzjM=417> — Reduced or No Real Property Taxes for Qualified Disabled Veterans <https://links-1.govdelivery.
com/CL0/https:%2F%2Frevenue.mt.gov%2Fproperty%2Fproperty-tax-help%2Fmdv/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/BPurLcHhFMHKS7rpau0TZSFFBh37xtJ8lezmlt5MBsc=417>
Oregon Department of Veterans Affairs <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.oregon.gov%2Fodva/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/sDe_ixjAkmOmnJCDfAAuJ0KMsBm
-zkr3QsOHQGHP17w=417> — Oregon Veterans Home Loan Program <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.oregon.gov%2Fodva%2FHome-Loans%2FPages%2FEligibility.aspx/2/010001989f7de6aa-bb0c7be0-3
fa2-4642-805f-ade3ed138f7d-000000/gX8wUY3kr7RPAYSHhhfj6g15b47TzymH8_ybNUt95QY=417> — Veterans Emergency Financial Assistance Program <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.oregon.gov%2
Fodva%2FDocuments%2FVS1024%2520Oregon%2520Veterans%25E2%2580%2599%2520Emergency%2520Financial%2520Assistance%2520Program%2520Application_02-2022.pdf/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed1
38f7d-000000/y_HxZRGl4twKVibAn5wEtXvQr9_hqcPlzkvvb83Nl_E=417> — Disabled Veteran or Surviving Spouse Property Tax Exemption <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.oregon.gov%2Fdor%2Ffo
rms%2FFormsPubs%2Fveteran-spouse-exemption_310-676.pdf/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/x-3tt0watJkWA26LFeoygsqxJF9Ud9tdwcJ9kq25jXs=417>
Washington State Department of Veterans Affairs <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.dva.wa.gov%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/EsohHM90u8oHQAZeeAt6Y
k6XRYpyWVu3h5BipfwXdbM=417> — Veterans Downpayment Assistance Loan Program <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.wshfc.org%2Fbuyers%2Findex.htm/1/010001989f7de6aa-bb0c7be0-3fa2-4642-8
05f-ade3ed138f7d-000000/rQ5_QCvqWwkGVNUNJZFRWorf6_5xKhomgJzzPIc5mwM=417> — Veterans Innovation Program (VIP) <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.dva.wa.gov%2Fnode%2F1383%2Fveterans-
innovations-program-vip/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/lX2ZuwQo2IrG4ifLGFxsNjsPZEz9B3ny_jY3AfobD-Y=417> — Property Tax Relief for Veterans and Widows(ers)
of Veterans <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.dva.wa.gov%2Fveterans-service-members-and-their-families%2Fveterans-benefits%2Ffree-or-reduced-rate-passes-and-tax-exemptions/1/01000
1989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/_Z672PfqYZX8R-CQu5V4_0KAOkqdBf0M6CUNAWuDoJ0=417>
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#StillServing Podcast
Veterans of Foreign Wars (VFW) #StillServing Rob Couture is joined by co-host Brittany Dymond Murray, and VFW national leadership Kristina Keenan and Ryan Gallucci. #StillServing unpacks
recent victories like the passage of the VA Home Loan Program Reform Act <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.pandora.com%2Fpodcast%2Fstillserving-the-vfw-podcast%2Fclosed-door-meeti
ng%2FPE:1319346674/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/Wmf3wAUStmAFnSNedLcG3p3aANpLfE3iCph2qQcNR_A=417> , explore the challenges Veterans face accessing community
care, and recount the VFW’s pivotal role in strengthening U.S.–Vietnam relations over the past 30 years.
About VISN 20 and NW MIRECC
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VA's NW MIRECC serves to improve the mental health and well-being of Veterans through research and dissemination of information to providers both within VA and the general public. VHA
continually evolves and cultivates ongoing cutting-edge medical research and innovation <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.mirecc.va.gov%2Fvisn20%2FAbout_NWMIRECC%2Fnwmirecc-histor
y.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/KJCu6CakUx5FFo8IF-Xlp84cWJsnfMN1K8_tcW0bqlo=417> to improve the lives of America’s patriots. VA's Veterans Integrated
Service Network (VISN) 20 serves Alaska, Washington, Oregon, most of Idaho, and one county each in Montana and California. Operating across three time zones over 817,417 square miles,
VISN 20 is home to 273 federally recognized American Indian and Alaskan Native tribes. Spanning 23% of US land mass, VISN 20 is the largest geographic region of VA. NW MIRECC brings
together complementary research, education, and clinical programs from VA Puget Sound (VAPSHCS) and the VA Portland Health Care System (VAPORHCS). The collaborative approach to mental
health research, education and treatment has had a profound impact on the lives of Veterans.
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VAPSHCS and VAPORHCS were commissioned by Congress and the VA as one of the first three MIRECCs in the United States <https://links-1.govdelivery.com/CL0/https:%2F%2Fgcc02.safelinks.protection.outloo
k.com%2F%3Furl=https%253A%252F%252Fwww.mirecc.va.gov%252Fvisn20%252FAbout_NWMIRECC%252Fnwmirecc-history.asp%26data=05%257C02%257C%257Cb62e861b39334593693308dc2d828a49%257Ce95f1b23abaf45ee821db7ab251a
b3bf%257C0%257C0%257C638435285899560228%257CUnknown%257CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%253D%257C0%257C%257C%257C%26sdata=VdwUqaI%252B7itapmlk9pptEN7U1n1fg
6%252FyJXHVAEHVr%252F4%253D%26reserved=0/1/01000194b0cb14ca-ac446921-8aa6-4ef1-b529-d0324b9dc2cb-000000/XKWGNaSEeA4Qr0A-fszk2d30V6QGn1vhm65dwQ8wbm0=390> . The mission of NW MIRECC is
to improve the quality of life and function of Veterans by developing, evaluating, and promoting the implementation of effective treatments for Posttraumatic Stress Disorder (PTSD)
and its complex comorbidities. PTSD comorbidities include the behavioral consequences of repetitive blast mild Traumatic Brain Injury (mTBI), Substance Use Disorder (SUD), chronic pain
(in particular, post-concussive headaches), cognitive impairment, and increased risk for neurodegenerative disorders (chronic traumatic encephalopathy [CTE] and Alzheimer’s disease
[AD]). VA MIRECC's provide for the improvement of the provision of health-care services and related counseling services to eligible veterans suffering from mental illness (especially
mental illness related to service-related conditions) through—
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* the conduct of research (including research on improving mental health service facilities of the Department and on improving the delivery of mental health services by the Department);
* the education and training of health care personnel of the Department; and
* the development of improved models and systems for the furnishing of mental health services by the Department.
As part of the VISN 20 NW MIRECC mission to enhance access to mental health expertise, the NW MIRECC collaborates and consults with other MIRECCs and Centers of Excellence, as well as
with other VA, Department of Defense (DoD), Federal, State departments of Veterans Affairs, community agencies, and experts. The close geographic proximity (40 miles) of DoD Joint Base
Lewis-McChord/Madigan Army Medical Center to VAPSHCS has provided an exciting opportunity to develop innovative and productive research, education, and clinical care collaborations
with DoD personnel that address PTSD and its associated conditions in their early stages in active-duty Servicemembers.
VA ranks as one of the nation's leaders in health research. Every year, thousands of research studies are conducted at VA medical centers, outpatient clinics, and nursing homes. For
example, the VA has:
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* Developed artificial limbs that allow amputees to have more independence and better quality of life
* Invented the cardiac pacemaker
* Performed the first successful liver transplantation
* Developed the nicotine patch to help people stop smoking
* Played a major role in the development of the CT/CAT scan to view the inside of the body
* Tested new drugs and treatments for diseases such as AIDS, Diabetes, Alzheimer's and Osteoporosis
NW MIRECC research studies significantly contribute to advancements in our understanding of medical problems that lead to health improvements for Veterans and civilians alike. Research
studies at NW MIRECC are currently enrolling Military Veterans, First Responders, Health Care workers, and Civilians in Seattle, Washington <https://links-1.govdelivery.com/CL0/https:%2F%2Fgcc02.saf
elinks.protection.outlook.com%2F%3Furl=https%253A%252F%252Flinks-1.govdelivery.com%252FCL0%252Fhttps%253A%25252F%25252Fwww.mirecc.va.gov%25252Fvisn20%25252Fresearch%25252Fptsd-tbi-research.asp%252F1%
252F01000194b0cb14ca-ac446921-8aa6-4ef1-b529-d0324b9dc2cb-000000%252F61ZqhBU8mNfLUahonm_JkBBUKvC65z7PGuBwsvNcMd8%253D390%26data=05%257C02%257C%257C8f0c3bb6a4bc45de764f08dd402ff634%257Ce95f1b23abaf45e
e821db7ab251ab3bf%257C0%257C0%257C638737296918060739%257CUnknown%257CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%253D%253D%257C0%257C%257C%257C%
26sdata=L6VHetJD9QCgTyX4RdNWo27PpxnDG7mRtmHCtfHSK6A%253D%26reserved=0/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/8N0MFDPKaiFFSdQClTOV-ytnkozR6Su5WmcRNzZnAVk=417>
.
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VA Portland Health Care System (VAPORHCS)
Mail Stop: P3MIRECC
3710 SW US Veterans Hospital Road
Portland, OR 97239
Vet Centers are community-based counseling centers <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.vetcenter.va.gov%2F/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/gp6zYSvCCjPw
REk1dStxgt_6GgPi6k1gH5L4on1pML4=417> that provide a wide range of social and psychological services, including professional readjustment counseling to eligible Veterans, active-duty
Army, Navy, Marine Corps, Coast Guard, Air Force, and Space Force service members, including National Guard and Reserve components, and their families. Vet Center Call Center 1-877-927-8387
(1-877-WAR-VETS) <https://links-1.govdelivery.com/CL0/https:%2F%2Fwww.vetcenter.va.gov%2FVETCENTER%2Fmedia%2FCall-Center-PSA.asp/1/010001989f7de6aa-bb0c7be0-3fa2-4642-805f-ade3ed138f7d-000000/sdnad7
cERPhNnEk34JBI77ooCvgnSmx51exeE84Fhmc=417> is an around the clock confidential call center where Veterans, service members and their families can talk about their military experience
or any other issue they are facing in transitioning after military service or trauma and get connected to their nearest Vet Center. Signed into law in 2020, the National Suicide Hotline
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