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The Homes for Heroes Act amends federal veterans' housing benefits by increasing the maximum VA housing loan guaranty entitlement from 25 percent to 37.5 percent of the Freddie Mac conforming loan limit, allowing eligible veterans to access larger guaranteed loans. The bill also adjusts the loan fees for VA interest rate reduction refinancing loans, establishing a tiered fee structure ranging from 0.25 to 0.75 percent depending on the loan closing date between August 2025 and December 2035.
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