133 STAT. 973  PUBLIC LAW 116–23—JUNE 25, 2019  SEC. 6. LOANS GUARANTEED UNDER HOME LOAN PROGRAM OF  DEPARTMENT OF VETERANS AFFAIRS.  (a) ADJUSTMENT OF LOAN LIMIT.—  (1) IN GENERAL.—Section 3703(a)(1) of title 38, United  States Code, is amended—  (A) in subparagraph (A)—  (i) in clause (i)(IV), by striking ‘‘the lesser of the  maximum guaranty amount (as defined in subpara- graph (C)) or’’; and  (ii) in clause (ii), by striking ‘‘subparagraph (B)  of this paragraph’’ and inserting ‘‘subparagraph (B)  or (C)’’;  (B) in subparagraph (B)—  (i) by striking ‘‘The maximum’’ and inserting ‘‘With  respect to loans described in subclauses (I), (II), or  (III) of subparagraph (A)(i), the maximum’’; and  (ii) by striking ‘‘or in the case’’ and all that follows  through ‘‘subparagraph (C)),’’; and  (C) by striking subparagraph (C) and inserting the  following new subparagraph (C):  ‘‘(C)(i) With respect to loans described in subclause (IV) of  subparagraph (A)(i) made to a veteran not covered by clause (ii),  the maximum amount of guaranty entitlement available to the  veteran shall be 25 percent of the loan.  ‘‘(ii) With respect to loans described in subclause (IV) of  subparagraph (A)(i) made to a covered veteran, the maximum  amount of guaranty entitlement available to the veteran shall be  25 percent of the Freddie Mac conforming loan limit, reduced by  the amount of entitlement previously used by the veteran under  this chapter and not restored as a result of the exclusion in section  3702(b) of this title.  ‘‘(iii) In this subparagraph:  ‘‘(I) The term ‘covered veteran’ means a veteran who has  previously used entitlement under this chapter and for whom  the full amount of entitlement so used has not been restored  as a result of the exclusion in section 3702(b) of this title.  ‘‘(II) The term ‘Freddie Mac conforming loan limit’ means  the limit determined under section 305(a)(2) of the Federal  Home Loan Mortgage Corporation Act (12 U.S.C. 1454(a)(2))  for a single-family residence, as adjusted for the year involved.’’.  (2) LOANS TO NATIVE AMERICAN VETERANS.—Section 3762(c)  of such title is amended—  (A) by striking paragraph (1); and  (B) by redesignating paragraphs (2) and (3) as para- graphs (1) and (2), respectively.  (3) CONFORMING AMENDMENT.—Section 3710(d)(4) of such  title is amended by striking ‘‘section 3703(a)(1)(B) of this title’’  and inserting ‘‘subparagraph (B) or (C) of section 3703(a)(1)  of this title’’.  (b) ADJUSTMENT OF LOAN FEES.—Section 3729(b)(2) of title  38, United States Code, is amended by striking the loan fee table  and inserting the following: 