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, including law enforcement officers, firefighters, paramedics, emergency medical technicians, and teachers. Eligible first responders can obtain mortgages insured by the Federal Housing Administration for up to 100% of the property's appraised value, with no down payment or monthly insurance premiums required. The program is available to first-time homebuyers who have completed a housing counseling program.
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- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
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