The VALID Act of 2025 seeks to enhance consumer awareness for prospective homebuyers, particularly those who may be eligible for VA home loans. It amends the National Housing Act to require that the FHA Informed Consumer Choice Disclosure , provided to FHA loan applicants, includes specific information regarding VA home loans , such as loan-to-value ratios and prevailing interest rates for VA-guaranteed or insured loans. Furthermore, the bill mandates an amendment to the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. This amendment requires the Director of the Federal Housing Finance Agency to ensure that the Uniform Residential Loan Application includes a clear military service question , positioned prominently above the signature line, to help identify service members and veterans.