,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #bhce  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #ab1 #bjai,ms4
 ,ros5 7= h]self & ,mr4 ,rob]ts7        
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to include in=mation reg>d+    
,,va home loans 9 ! ,in=m$ ,consum]     
,*oice ,disclosure requir$ to be provid$
 to a prospective ,,fha borr[] :o is a  
vet]an1 to am5d title #aj1 ,unit$ ,/ates
 ,code1 to au?orize ! provision ( a     
c]tificate ( eligibility = ,,va home    
loans dur+ ! presep>ation c\nsel+ =     
memb]s ( ! ,arm$ ,=ces1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,access to ,af=dable ,h\s+ 
= ,vet]ans ,act ( #bjai4  #b4 ,,fha     
,in=m$ ,consum] ,*oice ,disclosure      
,section #bjc7;f77#b77;,a7 ( ! ,national
 ,h\s+ ,act 7#ab ,u4,s4,c4              
#agji7;f77#b77;,a77 is am5d$--  7#a7 by 
ins]t+ 7i7 aft] loan-to-value ratio2 &  
7#b7 by ins]t+ be=e ! semicolon !       

foll[+3 1 & 7ii7 9 ! case ( a           
prospective borr[] :o is a vet]an 7z    
def9$ 9 section #aja ( title #ch1 ,unit$
 ,/ates ,code7 :o w\ld qualify = a loan 
gu>ante$ or insur$ "u *apt] #cg ( title 
#ch1 ,unit$ ,/ates ,code1 9 connection )
 su* a loan1 assum+ prevail+ int]e/     
rates4  #c4 ,uni=m ,resid5tial ,loan    
,application  7a7 ,9 g5]al ,! ,director 
( ! ,f$]al ,h\s+ ,f9ance ,ag5cy %all    
direct ! ,f$]al ,national ,mortgage     
,association & ! ,f$]al ,home ,loan     
,mortgage ,corporation to revise !      
,uni=m ,resid5tial ,loan ,application   
develop$ by ^? ent]prises1 n lat] ?an   
,decemb] #ca1 #bjbj1 to include--  7#a7 
9 ! borr[] in=mation portion ( !        
application1 a *eck box = ! applicant to
 *eck to indicate t ! applicant is a    
vet]an2  7#b7 adjac5t to ! matt] requir$
 by p>agraph 7#a7 & 9 boldface type1 !  
foll[+ /atem5t3 ,if y are a vet]an1 y   
may be eligible = a ,,va mortgage42 &   
7#c7 adjac5t to ! matt] requir$ by      
p>agraph 7#b71 a blank l9e = ! borr[] to

 initial1 & a /atem5t t all applicants  
mu/ initial ! blank l9e to confirm t !y 
h read ! /atem5t requir$ by p>agraph    
7#b74  7b7 ,prohibition ,! in=mation    
requir$ to be includ$ "u subsection 7a7 
%all n appe> aft] ! borr[] signature l9e
 ( ! ,uni=m ,resid5tial ,loan           
,application4  #d4 ,presep>ation c\nsel+
 = memb]s ( ! ,arm$ ,=ces reg>d+        
,dep>tm5t ( ,vet]ans ,affairs home loan 
s]vices & h\s+ assi/ance b5efits        
,section #aadb7;b7 ( title #aj1 ,unit$  
,/ates ,code1 is am5d$-- 7#a7 by        
r$esignat+ p>agraphs 7#ag7 & 7#ah7 z    
p>agraphs 7#ah7 & 7#ai71 respectively2 &
  7#b7 by /rik+ p>agraph 7#af7 & ins]t+ 
! foll[+ new p>agraphs3  7#af7          
,in=mation on ! availability ( home loan
 s]vices by & h\s+ assi/ance b5efits ( !
 ,dep>tm5t ( ,vet]ans ,affairs1 includ+ 
! au?ority ( ! memb]--  7,a7 to use an  
honorable dis*>ge c]tificate z a        
c]tificate ( eligibility to apply = a   
gu>ante$ h\s+ loan f ! ,dep>tm5t (      
,vet]ans ,affairs2 or  7,b7 to reque/1  

dur+ ! presep>ation process or aft]     
sep>ation1 a specific c]tificate (      
eligibility = su* a loan "u section     
#cgjb7;c7 ( title #ch4  7#ag7 ,c\nsel+  
on responsible borr[+ practices4  4