VALOR Act

The VALOR Act (HR 6193) helps veterans with service-connected disabilities who applied for a VA home loan before receiving their disability rating. It changes the eligibility rule to allow a fee waiver based on a "disability examination or review" (not just a formal rating) and refunds fees paid before the law's enactment. Veterans who qualify can request a refund of the loan origination fee they paid, provided they submit evidence showing they would have been eligible for the waiver. The refund is paid directly to the veteran or applied as a principal reduction to their loan balance. This directly affects veterans who paid fees while waiting for their disability rating to be finalized.