This bill amends title 38, United States Code, to modify the fees associated with interest rate reduction refinancing housing loans (IRRRLs) that are guaranteed, insured, or made by the Secretary of Veterans Affairs. It specifically revises the loan fee table in section 3729(b)(2) by replacing the current provision for IRRRLs with a new, time-sensitive fee schedule. The new schedule introduces varying fees based on the loan's closing date. For instance, loans closed between August 1, 2025, and December 30, 2025, will have a 0.50% fee, which then decreases to 0.25% for loans closed between December 31, 2025, and December 30, 2027. The fees are set to fluctuate again in subsequent periods, reaching 0.75% for loans closed between December 31, 2032, and December 30, 2035, before returning to 0.50% for loans closed thereafter.