,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #hib  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #ca1 #bjbe,mr4
 ,ryan introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,vet]ans' ,affairs1 = a p]iod to be  
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to require ! heads 
( c]ta9 ag5cies to disclose in=mation   
ab\t loans insur$ & gu>ante$ by su*     
ag5cies1 & = o!r purposes4  #a4 ,%ort   
title ,?is ,act may be cit$ z !         
,mortgage ,rate ,r$uction ,act4  #b4    
,s5se ( ! ,congress ,x is ! s5se ( !    
,congress t-- 7#a7 ! ,assi/ant ,secret>y
 = ! ,(fice ( ,h\s+ & ,f$]al ,h\s+      
,commission] %\ld1 act+ ?r\gh ! ,f$]al  
,h\s+ ,adm9i/ration1 insure second      
mortgages "u section #bjc ( ! ,national 
,h\s+ ,act = prop]ties = :i* ! ,f$]al   
,h\s+ ,adm9i/ration has insur$ a fir/   
mortgage1 to facilitate ! assumption (  

su* fir/ mortgage by a subsequ5t pur*as]
 ( su* prop]ty2  7#b7 ! ,secret>y (     
,agriculture %\ld gu>antee loans =      
eligible h\s+ "u section #ejb7;h7 ( !   
,h\s+ ,act ( #aidi t are second         
mortgages if ! ,secret>y ( ,agriculture 
insures ! loan t is ! fir/ mortgage     
aga9/ su* eligible h\s+1 to facilitate !
 assumption ( su* fir/ mortgage by a    
subsequ5t pur*as] ( su* eligible h\s+2 &
  7#c7 ! ,secret>y ( ,vet]ans ,affairs  
%\ld insure & gu>antee real e/ate h\s+  
loans secur$ by second li5s "u sub*apt] 
,i ( *apt] #cg ( title #ch1 ,unit$      
,/ates ,code1 if ! ,secret>y ( ,vet]ans 
,affairs insures ! fir/ li5 aga9/ su*   
real e/ate1 to facilitate ! assumption (
 ! fir/ mortgage aga9/ su* real e/ate by
 a subsequ5t pur*as] ( su* real e/ate4  
#c4 ,insurance = second>y mortgages  7a7
 ,f$]al ,h\s+ ,adm9i/ration  7#a7 ,9    
g5]al ,section #bja7;a7 ( ! ,national   
,h\s+ ,act 7#ab ,u4,s4,c4 #agjg7;a77 is 
am5d$-- 7,a7 by /rik+ a fir/ mortgage   
ea* place x occurs & ins]t+ a fir/      

mortgage or second mortgage2 &  7,b7 by 
/rik+ secur$ !reby4 & ins]t+ ! foll[+3  
secur$ !reby2 & ! t]m second mortgage   
means1 ) respect to real e/ate aga9/ :i*
 !re is a fir/ mortgage t has be5 insur$
 "u section #bjc1 su* classes ( second  
li5s z are commonly giv5 to secure      
advances on1 or ! unpaid pur*ase price  
(1 real e/ate1 "u ! laws ( ! ,/ate 9 :i*
 ! real e/ate is locat$1 toge!r ) !     
cr$it in/rum5t1 if any1 secur$ !reby4   
7#b7 ,con=m+ am5dm5ts ,section #bjc ( ! 
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agji7 is am5d$ by /rik+ fir/ mortgage  
ea* place x occurs & ins]t+ fir/        
mortgage or second mortgage4  7b7       
,dep>tm5t ( ,vet]ans ,affairs ,section  
#cgjc7;d77#c7 ( title #ch1 ,unit$ ,/ates
 ,code1 is am5d$-- 7#a7 9 subp>agraph   
7,a71 by /rik+ fir/ li5 & ins]t+ fir/   
li5 or second li52 &  7#b7 by add+ at ! 
end ! foll[+ new subp>agraph3  7,c7 ,a  
real e/ate h\s+ loan may only be secur$ 
by second li5 if ! ,secret>y insures or 
gu>antees ! fir/ li5 on su* real e/ate4 

4  #d4 ,disclosure ( in=mation ab\t     
loans gu>ante$ & insur$  7a7 ,loans     
insur$ by ! ,f$]al ,h\s+ ,adm9i/ration  
,! ,assi/ant ,secret>y = ! ,(fice (     
,h\s+ & ! ,f$]al ,h\s+ ,commission]     
%all1 n lat] ?an #a ye> aft] ! date ( ! 
enactm5t ( ?is section1 publi% on a     
public website a li/ ( all prop]ties =  
:i* ! ,f$]al ,h\s+ ,adm9i/ration has    
insur$ a mortgage "u section #bjc ( !   
,national ,h\s+ ,act t includes ! foll[+
 in=mation = ea* prop]ty insur$3 7#a7 ,!
 address ( ! prop]ty aga9/ :i* !re is a 
mortgage insur$ by ! ,f$]al ,h\s+       
,adm9i/ration4  7#b7 ,! date ( !        
orig9ation ( ! mortgage t is insur$ by !
 ,f$]al ,h\s+ ,adm9i/ration4  7b7 ,loans
 insur$ by ! ,dep>tm5t ( ,agriculture ,!
 ,secret>y ( ,agriculture %all1 n lat]  
?an #a ye> aft] ! date ( ! enactm5t (   
?is section1 publi% on a public website 
a li/ ( all prop]ties = :i* ! ,dep>tm5t 
( ,agriculture has gu>ante$ loan "u     
section #ejb7;h7 ( ! ,h\s+ ,act ( #aidi 
t includes ! foll[+ in=mation = ea* loan

 insur$3 7#a7 ,! address ( ! prop]ty    
aga9/ :i* !re is a loan gu>ante$ by !   
,dep>tm5t ( ,agriculture4  7#b7 ,! date 
( ! orig9ation ( ! loan t is gu>ante$ by
 ! ,dep>tm5t ( ,agriculture4  7c7 ,loans
 insur$ by ! ,secret>y ( ,vet]ans       
,affairs ,! ,secret>y ( ,vet]ans        
,affairs %all1 n lat] ?an #a ye> aft] ! 
date ( ! enactm5t ( ?is section1 publi% 
on a public website a li/ ( all         
prop]ties = :i* ! ,dep>tm5t ( ,vet]ans  
,affairs has insur$ or gu>ante$ a h\s+  
loan "u sub*apt] ,i ( *apt] #cg ( "p    
,,iii ( title #ch1 ,unit$ ,/ates ,code1 
t includes ! foll[+ in=mation = ea* h\s+
 loan insur$ or gu>ante$3 7#a7 ,!       
address ( ! prop]ty aga9/ :i* !re is a  
h\s+ loan insur$ or gu>ante$ by !       
,dep>tm5t ( ,vet]ans ,affairs4  7#b7 ,! 
date ( ! orig9ation ( ! h\s+ loan t is  
insur$ or gu>ante$ by ! ,dep>tm5t (     
,vet]ans ,affairs4