Establishes a mortgage insurance program for first responders, 911 call center operators, child care workers, and correctional officers.

The bill amends the National Housing Act to create a mortgage insurance program for first responders, 911 call center operators, child care workers, and correctional officers. Eligible mortgagors must be first-time homebuyers, have completed housing counseling, and meet specific employment criteria. Mortgages are insured up to 100% of the property's appraised value, with no down payment or monthly premiums required. The program authorizes appropriations for fiscal years 2026 through 2032 and requires reauthorization after five years.

Establishes a mortgage insurance program for first responders, 911 call center operators, child care workers, and correctional officers.

The bill amends the National Housing Act to create a mortgage insurance program for first responders, 911 call center operators, child care workers, and correctional officers. Eligible mortgagors must be first-time homebuyers, have completed housing counseling, and meet specific employment criteria. Mortgages are insured up to 100% of the property's appraised value, with no down payment or monthly premiums required. The program authorizes appropriations for fiscal years 2026 through 2032 and requires reauthorization after five years.