The HELPER Act of 2023 is a mortgage program for teachers, firefighters, and law enforcement officers that exempts first-time home buyers from down payment and monthly mortgage insurance requirements.  HELPER is an acronym. It stands for “Homes for Every Local Protector, Educator, and Responder.” As of today, the bi-partisan bill has yet to become law.

The HELPER Act will support those that serve our communities by giving them the ability to afford a home in those communities. Currently, over 6 million HELPERS serve in cities they cannot afford to own a home. By offering affordable mortgage possibilities along with no down payment or monthly mortgage insurance, the HELPER Act is a true bipartisan effort to enrich the lives of our local heroes. 

Congress introduced the original The HELPER Act on May 13, 2021, as an amendment to the National Housing Act, which created the U.S. mortgage insurance system. The House and the Senate renewed the HELPER Act on May 10, 2023 and made changes to it's content.

The bill’s new name is The HELPER Act of 2023.The HELPER Act of 2023 is a mortgage program for teachers, firefighters, and law enforcement officers that exempts first-time home buyers from down payment and monthly mortgage insurance requirements.  HELPER is an acronym. It stands for “Homes for Every Local Protector, Educator, and Responder.” As of today, the bi-partisan bill has yet to become law.

The HELPER Act will support those that serve our communities by giving them the ability to afford a home in those communities. Currently, over 6 million HELPERS serve in cities they cannot afford to own a home. By offering affordable mortgage possibilities along with no down payment or monthly mortgage insurance, the HELPER Act is a true bipartisan effort to enrich the lives of our local heroes. 

Congress introduced the original The HELPER Act on May 13, 2021, as an amendment to the National Housing Act, which created the U.S. mortgage insurance system. The House and the Senate renewed the HELPER Act on May 10, 2023 and made changes to it's content.

The bill’s new name is The HELPER Act of 2023.