This bill significantly expands eligibility for housing loans guaranteed by the Department of Veterans Affairs (VA) to include a broader range of service for members of the reserve components and the National Guard. It amends the definition of "active duty" for VA housing loan purposes to encompass various types of service, including inactive-duty training, annual training duty, and specific active duty call-ups under different sections of Title 10 or Title 14 for reservists. For National Guard members, it further includes full-time service for organizing, administering, recruiting, instructing, or training the Guard, as well as performing full-time National Guard duty under Title 32. The legislation applies these expanded eligibility criteria retroactively to any service performed on or after September 11, 2001 . Furthermore, it establishes a new category of eligibility for individuals who are not otherwise eligible but have completed at least 14 days of the newly defined active duty service and continued to serve until completing entry-level and skill training. These individuals will be eligible for VA housing loans, but they will be subject to an additional loan fee . The Secretary of Veterans Affairs is also mandated to notify eligible reserve and National Guard members about these new housing loan benefits.