HELPER Act of 2025

Hozzl · 2025-04-10T08:06:47Z

Explore the details of House Bill 2094 HELPER Act of 2025 currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Finance and Financial Sector. Stay informed on legislative developments.

4/10/2025, 8:06 AM

Summary of Bill HR 2094

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.

Congressional Summary of HR 2094

Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025

This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.

Read the Full Bill

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Current Status of Bill HR 2094

Bill HR 2094 is currently in the status of Bill Introduced since March 14, 2025. Bill HR 2094 was introduced during Congress 119 and was introduced to the House on March 14, 2025. Bill HR 2094's most recent activity was Referred to the House Committee on Financial Services. as of March 14, 2025

Bipartisan Support of Bill HR 2094

Total Number of Sponsors

Democrat Sponsors

Republican Sponsors

Unaffiliated Sponsors

Total Number of Cosponsors

Democrat Cosponsors

Republican Cosponsors

Unaffiliated Cosponsors

Policy Area and Potential Impact of Bill HR 2094

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 2094

To amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.

Comments

Oakley Sutherland

568

9 months ago

I'm so excited about this new bill that just passed! It's called the HELPER Act of 2025 and it's going to make a big difference in our country. This bill is all about helping families who are struggling financially by providing them with more support and resources. I think it's great that our government is taking steps to help those in need. I can't wait to see the positive impact this bill will have on our community. #HELPERAct2025 #SupportingFamilies

Cesar Swanson

530

9 months ago

Not sure bout this bill.

Indy Norman

553

9 months ago

I think this new bill is a good idea. It will help a lot of people in our country. I believe it will have a positive impact on our community. #HRBill2094 #HELPERAct2025 #UnitedStates #politics