,one ,hundred ,sixteenth ,congress of   
the ,united ,states of ,america  #ast   
,session ,begun and held at the ,city of
 ,washington on ,thursday1 the third day
 of ,january1 two thousand and nineteen 
,s4 #agdi  ,,an ,,act  ,to clarify      
seasoning requirements for certain      
refinanced mortgage loans1 and for other
 purposes4  #a4 ,short title ,this ,act 
may be cited as the ,protecting         
,affordable ,mortgages for ,veterans    
,act of #bjai4  #b4 ,seasoning          
requirements for certain refinanced     
mortgage loans  7a7 ,ginnie ,mae        
,section #cjf7;g77#a7 of the ,national  
,housing ,act 7#ab ,u4,s4,c4            
#agba7;g77#a77 is amended by striking   
the second sentence4  7b7 ,veterans     
loans ,section #cgji7;c7 of title #ch1  
,united ,states ,code1 is amended-- 7#a7
 in the matter before paragraph 7#a71 by
 striking is refinanced and inserting is
 a refinance2 and  7#b7 by striking     
paragraphs 7#a7 and 7#b7 and inserting  
the following new paragraphs3  7#a7 the 

date on which the borrower has made at  
least six consecutive monthly payments  
on the loan being refinanced2 and  7#b7 
the date that is #baj days after the    
first payment due date of the loan being
 refinanced4  4  7c7 ,rule of           
construction ,nothing in this ,act may  
be construed to restrict or otherwise   
modify the authorities of the           
,government ,national ,mortgage         
,association4  ,speaker of the ,house of
 ,representatives  ,vice ,president of  
the ,united ,states and ,president of   
the ,senate