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Easier Home Loans for DACA Recipients

This act aims to make homeownership more accessible for individuals under the DACA program. It clarifies that their DACA status cannot be a barrier to obtaining federal mortgage insurance from agencies like FHA or the Rural Housing Service, nor can it prevent Fannie Mae and Freddie Mac from purchasing their mortgages. This ensures DACA recipients, who meet all other standard lending criteria, have equal opportunities to buy a home.
Key points
DACA status cannot be a reason to deny mortgage insurance from the Federal Housing Administration (FHA).
The Rural Housing Service cannot deny home loans based on DACA status.
Fannie Mae and Freddie Mac cannot refuse to purchase mortgages solely due to the borrower's DACA status.
DACA recipients must still meet all other standard mortgage eligibility requirements.
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Expired
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Additional Information
Print number: 117_HR_782
Sponsor: Rep. Vargas, Juan [D-CA-51]
Process start date: 2021-02-03
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Homeownership for DREAMers Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_782.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-02-03.

What are the main provisions?

Key points include:

  • DACA status cannot be a reason to deny mortgage insurance from the Federal Housing Administration (FHA).
  • The Rural Housing Service cannot deny home loans based on DACA status.
  • Fannie Mae and Freddie Mac cannot refuse to purchase mortgages solely due to the borrower's DACA status.
  • DACA recipients must still meet all other standard mortgage eligibility requirements.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Vargas, Juan [D-CA-51].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

CATEGORIES

Real Estate Migration