HELPER Act of 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Bill 119 s 978, also known as the First Responder Mortgage Insurance Program Act, aims to amend the National Housing Act to create a mortgage insurance program specifically for first responders. This program would provide financial assistance to first responders, such as firefighters, police officers, and emergency medical technicians, to help them purchase homes.

The bill seeks to address the unique challenges that first responders face in the housing market, including lower salaries compared to other professions and the high cost of living in many areas. By establishing a mortgage insurance program tailored to their needs, the bill aims to make homeownership more accessible and affordable for first responders.

In addition to providing mortgage insurance, the bill also includes provisions for counseling and financial education for first responders to help them navigate the homebuying process. This support is intended to ensure that first responders are well-informed and equipped to make sound financial decisions when purchasing a home. Overall, the First Responder Mortgage Insurance Program Act is designed to recognize the important contributions of first responders and support them in achieving the goal of homeownership. By providing targeted assistance and resources, the bill aims to improve the financial well-being and stability of first responders and their families.