Bill
Bill > HR2094
US HR2094
US HR2094HELPER Act of 2025 Homes for Every Local Protector, Educator, and Responder Act of 2025
summary
Introduced
03/14/2025
03/14/2025
In Committee
03/14/2025
03/14/2025
Crossed Over
Passed
Dead
Introduced Session
119th Congress
Bill Summary
A BILL To amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.
AI Summary
This bill, known as the "Homes for Every Local Protector, Educator, and Responder Act of 2025" or the "HELPER Act of 2025", establishes a new Federal Housing Administration (FHA) mortgage insurance program specifically designed for first responders. The program allows eligible first responders who are first-time homebuyers to obtain a mortgage with no down payment, covering up to 100% of the property's appraised value. First responders are defined as full-time law enforcement officers, firefighters, paramedics, emergency medical technicians, and full-time teachers in public or private schools. To qualify, applicants must have been employed as a first responder for at least 4 of the 5 years prior to application, complete a housing counseling program, be in good standing in their profession, and intend to continue as a first responder for at least one year after obtaining the mortgage. The program includes a single up-front insurance premium that can be up to 3% of the mortgage amount, with no monthly insurance premiums. The bill authorizes appropriations of $660,000 for fiscal year 2026 and $160,000 for each fiscal year from 2027 to 2032, with the mortgage insurance program set to expire 5 years after its initial implementation.
Committee Categories
Business and Industry
Sponsors (114)
John Rutherford (R)*,
Gabe Amo (D),
Mark Amodei (R),
Gus Bilirakis (R),
Sanford Bishop (D),
Suzanne Bonamici (D),
Shontel Brown (D),
Julia Brownley (D),
Kat Cammack (R),
Salud Carbajal (D),
Judy Chu (D),
Juan Ciscomani (R),
Lou Correa (D),
Jim Costa (D),
Angie Craig (D),
Jason Crow (D),
Don Davis (D),
Monica De La Cruz (R),
Madeleine Dean (D),
Diana DeGette (D),
Suzan DelBene (D),
Chris Deluzio (D),
Debbie Dingell (D),
Byron Donalds (R),
Sarah Elfreth (D),
Jake Ellzey (R),
Dwight Evans (D),
Gabe Evans (R),
Cleo Fields (D),
Randy Fine (R),
Brian Fitzpatrick (R),
Vince Fong (R),
Scott Franklin (R),
John Garamendi (D),
Andrew Garbarino (R),
Robert Garcia (D),
Laura Gillen (D),
Carlos Giménez (R),
Marie Gluesenkamp Pérez (D),
Dan Goldman (D),
Tony Gonzales (R),
Maggie Goodlander (D),
Josh Gottheimer (D),
Josh Harder (D),
Mike Haridopolos (R),
Jahana Hayes (D),
Clay Higgins (R),
Ashley Hinson (R),
Chrissy Houlahan (D),
Val Hoyle (D),
Jonathan Jackson (D),
John Joyce (R),
Marcy Kaptur (D),
Tom Kean (R),
Bill Keating (D),
Mike Kelly (R),
Robin Kelly (D),
Kevin Kiley (R),
George Latimer (D),
Mike Lawler (R),
Laurel Lee (R),
Susie Lee (D),
Mike Levin (D),
Ted Lieu (D),
Ryan Mackenzie (R),
Nicole Malliotakis (R),
Sarah McBride (D),
April McClain-Delaney (D),
Kristen McDonald Rivet (D),
Rob Menendez (D),
Mark Messmer (R),
Dan Meuser (R),
Cory Mills (R),
Dave Min (D),
Joe Morelle (D),
Jim Moylan (R),
Frank Mrvan (D),
Kevin Mullin (D),
Joe Neguse (D),
Troy Nehls (R),
Dan Newhouse (R),
Donald Norcross (D),
Zach Nunn (R),
Chris Pappas (D),
Scott Peters (D),
Brittany Pettersen (D),
Josh Riley (D),
Deborah Ross (D),
María Salazar (R),
Andrea Salinas (D),
Kim Schrier (D),
Mikie Sherrill (D),
Chris Smith (R),
Eric Sorensen (D),
Darren Soto (D),
Greg Stanton (D),
Marilyn Strickland (D),
Tom Suozzi (D),
Emilia Sykes (D),
G.T. Thompson (R),
Jill Tokuda (D),
Paul Tonko (D),
Ritchie Torres (D),
Derek Tran (D),
Mike Turner (R),
David Valadao (R),
Jeff Van Drew (R),
Gabe Vasquez (D),
Marc Veasey (D),
Eugene Vindman (D),
Bonnie Watson Coleman (D),
Daniel Webster (R),
Rob Wittman (R),
Ryan Zinke (R),
Last Action
Referred to the House Committee on Financial Services. (on 03/14/2025)
Official Document
bill text
bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.congress.gov/bill/119th-congress/house-bill/2094/all-info |
| BillText | https://www.congress.gov/119/bills/hr2094/BILLS-119hr2094ih.pdf |
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