HELPER Act of 2025

Hozzl · 2025-04-04T13:00:22Z

Explore the details of Senate Bill 978 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.

4/4/2025, 1:00 PM

Summary of Bill S 978

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.

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Current Status of Bill S 978

Bill S 978 is currently in the status of Bill Introduced since March 12, 2025. Bill S 978 was introduced during Congress 119 and was introduced to the Senate on March 12, 2025. Bill S 978's most recent activity was Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. as of March 12, 2025

Bipartisan Support of Bill S 978

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 S 978

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill S 978

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

Comments

Tate Godfrey

463

8 months ago

I think this bill is bad idea. It give special treatment to first responders and not everyone. Why they get special mortgage insurance program? It not fair to others who also need help with housing. This bill not help everyone equally. It not right. Who benefits from this bill? First responders.

Imran Chappell

433

8 months ago

I don't really know much about this bill, but it sounds like it could help first responders with their housing. I guess that's a good thing. I'm not sure how it will work exactly, but if it helps those who risk their lives for us every day, then I'm all for it. It's important to support our first responders and this bill seems like a step in the right direction.

Tate Godfrey

463

8 months ago

I don't like this bill, it's gonna mess up everything. I don't want to pay for it, it's not fair. It's gonna make things worse for me and my family. #oppose #notgood The long term affects of this bill are gonna be bad for everyone.

Greta Garcia

361

8 months ago

I can't believe this bill is even being considered! It's ridiculous that first responders are getting special treatment when it comes to mortgage insurance. What about the rest of us hardworking Americans who also struggle to afford housing? This bill is unfair and discriminatory. I don't support it at all.