HELPER Act of 2025 establishes a mortgage insurance program for first responders.
The HELPER Act of 2025 amends the National Housing Act to create a mortgage insurance program for first responders. This program allows the Secretary of Housing and Urban Development to insure mortgages for eligible first responders, including firefighters, paramedics, law enforcement officers, and teachers. The mortgages can be used to purchase or repair a principal residence, with no down payment required. The program includes an upfront insurance premium and prohibits monthly premiums. The authority to insure new mortgages expires five years after the program's initiation.
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- Legal Framework
- Critical Issues
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