Expand eligibility for VA home loans so National Guard and Reserve members who have served 14 total days of active duty, inactive duty training, or annual training duty can apply.

The Home Affordability for Guard and Reserve Act would expand eligibility and allow Guard and Reserve members who have served 14 total days of active duty, inactive duty training, or annual training duty to apply for a VA home loan.

Barrett introduced legislation to broaden VA home loan access for Guard and Reserve members with 14 days of qualifying service.

Barrett Continues Blueprint Rollout, Introduces Plan to Make Housing Affordable for National Guard and Reservists | Representative Tom Barrett
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Congress.gov lists Tom Barrett as sponsor of H.R.7009, introduced on 2026-01-12 and referred to the House Committee on Veterans' Affairs. The bill title says it would expand VA-guaranteed housing loan eligibility for reserve components and the National Guard.

Barrett introduced a current-Congress bill aimed at the promise, but it is still only introduced and stuck in committee.

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H.R.7009 - To amend title 38, United States Code, to expand eligibility for housing loans guaranteed by the Secretary of Veterans Affairs to members of the reserve components and the National Guard who perform certain duties, and for other purposes.
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VA's eligibility page still says National Guard members qualify after 90 days of qualifying active-duty service or 6 creditable years, and Reserve members qualify after 90 days of non-training active duty or 6 creditable years.

The official VA rules page still reflects the older eligibility standard, so the proposed 14-day expansion has not been implemented in the current rules.

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Eligibility For VA Home Loan Programs | Veterans Affairs
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