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Mortgage Insurance Program for First Responders and Educators

This new act aims to make it easier for police officers, firefighters, paramedics, and teachers to buy their first home. Through this program, eligible workers can get a mortgage without a down payment, reducing the initial costs of purchasing property. The act is designed to help these professional groups achieve housing stability.
Key points
No down payment required for eligible first responders and educators buying their first home.
The program covers police officers, firefighters, paramedics, and pre-kindergarten through 12th-grade teachers.
Mandatory housing counseling completion before program eligibility.
Mortgage can be used to purchase or repair a single-family home, including a condominium unit, or a manufactured home.
Eligibility requires at least 4 out of 5 years of service in these professions or release due to occupation-connected disability.
article Official text account_balance Process page
Introduced
Citizen Poll
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Additional Information
Print number: 119_HR_2094
Sponsor: Rep. Rutherford, John H. [R-FL-5]
Process start date: 2025-03-14
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

HELPER Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_2094.

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 2025-03-14.

What are the main provisions?

Key points include:

  • No down payment required for eligible first responders and educators buying their first home.
  • The program covers police officers, firefighters, paramedics, and pre-kindergarten through 12th-grade teachers.
  • Mandatory housing counseling completion before program eligibility.
  • Mortgage can be used to purchase or repair a single-family home, including a condominium unit, or a manufactured home.
  • Eligibility requires at least 4 out of 5 years of service in these professions or release due to occupation-connected disability.
What is the specific legal status?

The current status is Introduced.

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 2025-12-22.

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