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HR 2094119th CongressIn Committee
HELPER Act of 2025
Introduced: Mar 14, 2025
Sponsor: Rep. Rutherford, John H. [R-FL-5] (R-Florida)
Standard Summary
Comprehensive overview in 1-2 paragraphs
Establishes FHA mortgage insurance program for first responders, allowing 100% financing with no down payment requirement and specialized underwriting criteria.
Key Points
- 1Creates FHA mortgage insurance for first responders including teachers
- 2Allows up to 100% financing with no down payment required
- 3Requires first-time homebuyer status and housing counseling
- 4Mandates 4 out of 5 years of first responder employment
- 5Sets premium rates up to 3% with no monthly premiums
- 6Authorizes $660,000 for FY2026 and $160,000 annually through FY2032
Impact Areas
First responders (police, fire, EMT, teachers)Housing market and affordabilityFHA insurance programsMortgage lending industryPublic safety workforce
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