arrow_back Back to App

Mortgage Insurance Program for First Responders and Educators

This new law aims to make it easier for police officers, firefighters, paramedics, and teachers to buy their first home. Through this program, these individuals can obtain a mortgage without a down payment, reducing the initial costs of purchasing property. The program is designed to help provide stable housing for those who serve the community.
Key points
No down payment required for eligible first-time homebuyers in specific professions.
Program targets police officers, firefighters, paramedics, and pre-kindergarten through 12th-grade teachers in public and private schools.
Mandatory housing counseling completion before program eligibility.
Mortgage insurance will have an upfront premium, with no monthly premiums.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 118_HR_3170
Sponsor: Rep. Rutherford, John H. [R-FL-5]
Process start date: 2023-05-10
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

HELPER Act of 2023

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_3170.

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 2023-05-10.

What are the main provisions?

Key points include:

  • No down payment required for eligible first-time homebuyers in specific professions.
  • Program targets police officers, firefighters, paramedics, and pre-kindergarten through 12th-grade teachers in public and private schools.
  • Mandatory housing counseling completion before program eligibility.
  • Mortgage insurance will have an upfront premium, with no monthly premiums.
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. Rutherford, John H. [R-FL-5].

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 2025-12-25.

CATEGORIES

Real Estate Benefits