Home Affordability for Guard and Reserve Act

This bill expands eligibility for VA home loans to certain reserve component members and National Guard personnel who previously did not qualify as veterans. It creates a new category for individuals with at least 14 days of qualifying service (including inactive duty training, annual training, or full-time National Guard duty) who complete entry-level training. These members gain access to guaranteed home loans but must pay an additional 1% loan fee. The VA must notify qualifying members after they finish training, and the changes apply retroactively to service since September 11, 2001.