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HELPER Act of 2025
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.
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
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
1Democrat Sponsors
0Republican Sponsors
1Unaffiliated Sponsors
0Total Number of Cosponsors
53Democrat Cosponsors
37Republican Cosponsors
16Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill HR 2094
Primary Policy Focus
Finance and Financial SectorAlternate 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.
To amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.
Comments
Sponsors and Cosponsors of HR 2094
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