H.R. 2094 Introduced Finance and Financial Sector

HELPER Act of 2025

To amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Rutherford, John H. [R-FL-5] Introduced March 14, 2025 Cosponsors 153 (51 R, 101 D, 1 I) Latest action March 14, 2025

Summary

Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025
This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Actions

  1. Mar 14, 2025 Referred to the House Committee on Financial Services.
  2. Mar 14, 2025 Introduced in House

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