Restoring the VA Home Loan Program in Perpetuity Act of 2025

This bill seeks to amend title 38, United States Code, by imposing new limitations on the Department of Veterans Affairs' Servicer Purchaser Program. Its core purpose is to restrict the Secretary of Veterans Affairs' authority to purchase certain VA-guaranteed loans as a means to avoid default. Specifically, the legislation establishes an annual cap, prohibiting the Secretary from purchasing more than an aggregate of 250 loans in any given fiscal year under this program. Additionally, it requires the Secretary to submit a report within 180 days of enactment, outlining a plan to sell all loans acquired under this authority on or after May 31, 2024, to a non-Government entity. This aims to reduce the government's direct role in managing defaulted VA-guaranteed loans.