HELPER Act of 2025

Bill 119 HR 2094, 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 offering mortgage insurance tailored to their needs, first responders would have greater access to affordable housing options.

In addition to establishing the mortgage insurance program, the bill also includes provisions for other purposes related to housing assistance for first responders. This could include additional support for down payments, closing costs, and other expenses associated with purchasing a home. Overall, the First Responder Mortgage Insurance Program Act aims to support and recognize the important contributions of first responders by helping them achieve the dream of homeownership.