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 eligible first responders to purchase or repair a principal residence with no down payment and no monthly insurance premiums. Eligible first responders include those employed by law enforcement agencies, fire departments, emergency medical services, or as teachers in accredited schools. The program authorizes appropriations for fiscal years 2026 through 2032.
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