View All Learning Articles
Is March 2024 a Good Time to Buy a Home?
The 100% HELPER Act Mortgage
The $25,000 Downpayment Toward Equity Cash Grant
The Biden $10,000 First-Time Homebuyer Tax Credit
14 Grants & Programs for First-Time Home Buyers
View All Research Articles
170+ Mortgage Statistics
Generational Home Buyer Statistics
Annual HMDA Home Buyer Study
Most Popular Places for Vacation Homes In Every State
Gen Z Home Buyer Distribution By Location
Younger Millennial Home Buyer Distribution By Location
Older Millennial Home Buyer Distribution By Location
ZIP Code Invasions: Gen Z
ZIP Code Invasions: Younger Millennials
ZIP Code Invasions: Older Millennials
Dan Green
Since 2003, Dan Green has been a leading mortgage lender and respected industry authority. His unwavering commitment to first-time home buyers and home buyer education has established him as a trusted voice among his colleagues, his peers, and the media. Dan founded Homebuyer.com to expand the American Dream of Homeownership to all who want it. Read more about Dan Green.
How We Make Money
Homebuyer.com is your trusted guide to homeownership. Since 2003, our team has offered real-world expertise and advice to tens of millions of U.S. home buyers. Our content stands on its integrity: it's factual, unbiased, and free from outside influences. Read more about our governing editorial guidelines.
We also exist for profit and want our readers to understand how we make money.
Homebuyer.com is a mortgage-company-affiliated publisher. We earn compensation when you click specific links on the website, or apply for a mortgage with Homebuyer.com or partner listed in our comparison tables. Our partners compensate us differently, so we randomize our tables to protect our readers from steering. We may also earn compensation for advertisements on the site, which are indicated clearly. Note that limitations in our software, whether we originate mortgages in your area, and credit factors may affect the offers and comparison tables you see on various parts of this site. We do not include offers for every mortgage product available. Someday, we hope we will.
Certified Accurate
Your trust matters to us. This article was thoroughly checked for accuracy as of March 25, 2024. Homebuyer.com ensures every piece of information we share reflects the latest in mortgage standards. Learn more about our commitments to our reader in our editorial guidelines.
The HELPER Act is a first-time home buyer program for teachers, firefighters, and law enforcement officers exempting first-time home buyers from down payment and mortgage insurance requirements.
HELPER is an acronym for “Homes for Every Local Protector, Educator, and Responder.” As of today, March 28, 2024, the bi-partisan bill has yet to become law.
Congress originally introduced 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 bill with amendments on May 10, 2023.
As of March 28, 2024, the HELPER Act has not yet been passed. Congress introduced the 100% mortgage program in its 2021-2022 legislative session and revived it with revisions in its 2023-2024 session.
The HELPER Act is one of several first-time buyer programs with Congress, including a $15,000 first-time buyer tax credit bill called the DASH Act.
The White House supports homeownership and down payment assistance for first-time buyers.
In April 2023, President Biden launched his forthcoming presidential campaign, revisiting the themes of his 2020 campaign. He pledged to address “unfinished business,” including creating new, affordable housing opportunities for all Americans who want them.
We’ve seen some of these plans in action already:
The HELPER Act is an affordable housing bill with bipartisan support and traction. Congress is expected to pass The HELPER Act into law. The self-funding bill has dozens of co-sponsors in the House and the Senate. It does not cost taxpayers money.
Get your purchase pre-approved now.
The HELPER Act is a mortgage program for first-time home buyers that provides 100% financing to first responders and educators with no monthly mortgage insurance required.
Eligible home buyers must meet the following criteria according to the HELPER Act:
The HELPER Act doesn’t require eligible buyers to complete a special mortgage application. Teachers and first responders are automatically considered for the HELPER Act mortgage by their FHA-approved lender at the time of application.
A mortgage company that makes FHA loans can make a HELPER Act mortgage.
The HELPER Act mortgage is a standard FHA mortgage with three essential modifications.
HELPER Act mortgages make homes more affordable by eliminating the FHA’s down payment and mortgage insurance requirements.
The typical first-time home buyer raids a savings account or uses a 401(k) to buy a house. Under the HELPER Act, eligible buyers can leave money in the bank for emergencies, to earn interest, or furnish a new home instead.
Furthermore, because the HELPER Act exempts buyers from making monthly mortgage insurance payments, it’s easier for teachers and first responders to qualify on a low-to-moderate household income.
HELPER Act FHA mortgages have other vital benefits, too, including:
In addition, FHA loans are assumable mortgages, which can improve the future marketability of a home.
The HELPER Act bill lists six eligibility standards for home buyers to qualify for a no-money-down, no MIP HELPER Act mortgage.
The HELPER Act is for first-time home buyers only. The HELPER Act defines “first-time home buyer” using 42 U.S.C. 12704 which states that a first-time home buyer is any person who hasn’t owned their primary residence in the prior 3 years with exceptions for certain displaced homemakers and single parents.
Eligible HELPER Act home buyers must be employed full-time as an educator, firefighter, or law enforcement officer; or a full-time paramedic or emergency medical technician for a federal, state, Tribal, or local government.
Educators must be full-time teachers in a state-accredited public or private school that provides direct services to students in grades pre-Kindergarten through 12. School administrators and operations staff are ineligible for the HELPER Act.
Firefighters and paramedics must be full-time employees of the federal government or a state, Tribal, or local government. Emergency medical technicians must also be full-time employees of a fire department or an emergency medical services (EMS) responder unit of a government.
Eligible law enforcement officials must be full-time employees of a federal law enforcement agency or a state or local government. Eligible job titles may include Police Officer, Deputy Sheriff, Detective, Police Sergeant, Corrections Officer, Police Records Clerk, Animal Control Officer, Traffic Enforcement Officer, and School Resource Officer.
Notable exclusions in the HELPER Act include part-time and substitute teachers, social workers, and nurses.
Before closing, eligible home buyers must have at least four years of full-time employment in the last five calendar years as an educator, firefighter, or law enforcement officer; or as a qualified emergency medical technician. The bill’s language implies that buyers may change their job, job title, and function and maintain full eligibility.
The HELPER Act makes exceptions for home buyers unable to work because of a job-related disability related to the above professions.
The HELPER Act requires buyers to certify in good faith they’ll continue full-time employment as a protector, educator, or responder for 12 months or more after the closing date.
Home buyers who reasonably believe they’ll stay in their job meet The HELPER Act’s “good faith” employment requirement. Buyers with advance plans to leave their job after closing will not.
Eligible home buyers must be in a positive position and in good standing at their employment. They may not be on probation or under investigation for actions that are grounds for termination.
The HELPER Act mortgage is a signle-use mortgage program. Eligible home buyers may not use the HELPER Act mortgage than once including as the primary mortgage borrower, the co-borrower on a mortgage, or as a non-occupant co-borrower or co-signer.
Eligible home buyers must use a HELPER Act mortgage to purchase, construct, or repair a one-unit home, including single-family homes, condominiums, and manufactured homes permanently affixed to a lot. Multi-unit homes such as 2-4 unit properties are ineligible.
The HELPER Act mortgage is an FHA-backed home loan modified to remove down payment and mortgage insurance requirements. Eligible buyers must meet minimum Federal Housing Administration (FHA) mortgage standards, including income verification, identity confirmation, and a 500 credit score or higher. FHA loan limits also apply.
Click to pre-approve your mortgage.
The HELPER Act mortgage is a modified FHA mortgage, so home buyers can apply for the HELPER Act mortgage using the standard FHA application.
First, before beginning your application, make sure you meet the FHA’s minimum mortgage standards, including:
Next, make sure you meet the additional program requirements of the HELPER Act mortgage:
Then, locate an FHA-approved mortgage company.
The difference between a mortgage lender and a mortgage broker is negligible for many FHA loans, including HELPER Act loans. Mortgage rates and closing costs are often similar between companies. However, it’s good to comparison shop.
The Consumer Financial Protection Bureau (CFPB) states that more than 850 mortgage companies make FHA loans nationwide. You can find an FHA lender online, via personal referral, or use the Homebuyer.com mortgage pre-approval tool.
As part of your HELPER Act application, verify your income and employment history, and perform a soft credit check to ensure you meet FHA requirements. The program exempts eligible buyers from down payments and monthly mortgage insurance premium requirements.
Note: The HELPER Act is not yet passed into law. Today’s active buyers can apply instead to the no-money-down 100% Conventional Mortgage for first-time buyers.
The Conventional 100 is a straightforward mortgage. It’s neither a government cash grant nor downpayment assistance program, and available in most states to first-time buyers.
The HELPER Act mortgage is an extension of the FHA 203(b) Mortgage Insurance Program, which makes it a modified FHA loan. Home buyers who use the HELPER Act mortgage must meet FHA mortgage guidelines and use FHA mortgage rates.
Different 100% mortgage programs will offer better terms for some home buyers.
Here are 4 HELPER Act mortgage alternatives and how they compare.
USDA mortgages are 100% mortgages for non-urban homes, including in suburban and rural neighborhoods. The U.S. Department of Agriculture backs USDA loans. They allow 100% financing and feature low fees, reduced mortgage insurance premiums, and mortgage rates below national averages.
USDA mortgages are available to all buyers in all professions – teachers, law enforcement, first responders, and everything else.
Over ninety percent of the U.S. land mass is eligible for a USDA mortgage. Use this interactive USDA Eligibility Map to find your home.
VA mortgages are 100% mortgages for active duty military; veterans of the Armed Forces, National Guard, and Reserves; and select spouses.
The Department of Veterans Affairs backs VA loans and guarantees them against loss. The VA guaranty means lenders can offer VA mortgages at lower interest rates than other low- and no-downpayment loans.
Like HELPER Act mortgages, VA loans are exempt from monthly mortgage insurance.
The Conventional 100 mortgage is a no-money-down mortgage for first-time buyers available through Homebuyer.com.
The Conventional 100 mortgage is for single-family homes and is based on conventional mortgage guidelines. Loan sizes may not exceed local conforming mortgage loan limits, home buyers must complete an online homeownership education course before closing, and eligibility is limited to U.S. citizens and permanent resident aliens.
The Conventional 100 applies a minimum credit score requirement and limits on household income. Mortgage rates are typically below market averages.
Doctor Loans are 100% mortgages for doctors, dentists, active medical residents and fellows, and other medical professionals including veterinarians and optometrists. Sometimes called Physician Loans, they’re no-money-down mortgages that buyers can find at retail banks and some mortgage brokerages.
Doctor mortgage loan guidelines vary between lenders, but, in general, doctor loans don’t require a down payment, waive private mortgage insurance, and take a lenient approach to medical school debt.
Doctor loan mortgage rates are typically higher than comparable FHA or conventional loans.
100% forgivable mortgages are mortgages where the buyer borrows its down payment in the form of a second mortgage, then, typically after five years, the second mortgage gets forgiven.
Like HELPER Act mortgages, forgivable mortgages are based on the FHA mortgage program, so buyers must meet minimum credit score, debt-to-income ratio, and citizenship requirements.
To apply for a forgivable mortgage, ask your mortgage lender about availability.
Click to find out whether you qualify.
The HELPER Act is expected to be enacted in late-2024.
The bill’s timeline through Congress is as follows:
Because The HELPER ACT merely expands the National Housing Act of 1934 to include a new mortgage insurance program for teachers and first responders, passing it doesn’t require coordination among federal and state agencies like the $25,000 Downpayment Toward Equity Act does, or new taxpayer funding like the American Dream Downpayment Act.
Relative to other first-time home buyer bills, enacting The HELPER Act is simple.
The bill boosts home affordability for millions of first-time buyers, too.
According to data from the Bureau of Labor Statistics, Bureau of Justice Statistics, and National Center for Education Statistics, more than five million Americans work in HELPER Act professions:
Congress debated over a dozen home affordability programs in its last session, including the Homes for Every Local Protector, Educator, and Responder Act. Now, the bill is revived.
We expect continued bipartisan support for The HELPER Act and an eventual passage into law.
Click to get pre-approved for a mortgage.
Yes, this page is updated and verified against the most recent bill version regularly. The date of the last update is listed at the top of this article.
Yes, the HELPER Act is for people who meet the definition of a first-time home buyer. This is a change from the original HELPER Act of 2021, which included all home buyers.
Key differences exist between the 2021 HELPER Act and the current HELPER Act bills. In the new version of the bill:
The HELPER Act is an active bill with versions in the 2023-2024 House of Representatives and 2023-2024 Senate. Both versions have bipartisan co-sponsors and support. The bill still must be voted into law.
No, the HELPER Act is not yet available. We expect the bill to pass into law in mid-2024. Homebuyer publishes a special newsletter with updates. Register below for updates.
The HELPER Act requires home buyers to work for four consecutive years as teachers or first responders. Buyers are not required to work for the same employer for all four years or in the same role.
Yes, the HELPER Act states that eligible buyers must work full-time as teachers or first responders for four consecutive years. It doesn’t say the buyers must keep the same job function.
Suppose you leave your job within 12 months of using a HELPER Act home loan. In that case, the program administrator may request that you sign an affidavit that your job change was unexpected.
No, The HELPER Act doesn’t enforce income limitations.
No, the HELPER Act is for primary residences only. Home buyers may not use their homes to generate revenue from short- or long-term rentals.
Rep. John H. Rutherford [R-FL-5] is the primary sponsor of The HELPER Act in the House of Representatives. Sen. Marco Rubio [R-FL] is the primary sponsor in the Senate.
As of March 28, 2024, there are 122 co-sponsors in the House of Representatives for The HELPER Act.
Representative | Affiliation | Sponsor Date |
Rep. Watson Coleman, Bonnie | [D-NJ-12]* | May 10, 2023 |
Rep. Valadao, David G. | [R-CA-22] | May 11, 2023 |
Rep. Gonzalez, Vicente | [D-TX-34] | May 11, 2023 |
Rep. Veasey, Marc A. | [D-TX-33] | May 11, 2023 |
Rep. Smith, Christopher H. | [R-NJ-4] | May 11, 2023 |
Rep. Fitzpatrick, Brian K. | [R-PA-1] | May 11, 2023 |
Rep. Pascrell, Bill, Jr. | [D-NJ-9] | May 11, 2023 |
Rep. Ruppersberger, C. A. Dutch | [D-MD-2] | May 11, 2023 |
Rep. Evans, Dwight | [D-PA-3] | May 11, 2023 |
Rep. Phillips, Dean | [D-MN-3] | May 15, 2023 |
Rep. Kilmer, Derek | [D-WA-6] | May 15, 2023 |
Rep. Gimenez, Carlos A. | [R-FL-28] | May 15, 2023 |
Rep. Kelly, Mike | [R-PA-16] | May 15, 2023 |
Rep. Budzinski, Nikki | [D-IL-13] | May 15, 2023 |
Rep. Deluzio, Christopher R. | [D-PA-17] | May 15, 2023 |
Rep. Titus, Dina | [D-NV-1] | May 15, 2023 |
Rep. Houlahan, Chrissy | [D-PA-6] | May 15, 2023 |
Rep. Jackson, Jeff | [D-NC-14] | May 17, 2023 |
Rep. Crockett, Jasmine | [D-TX-30] | May 17, 2023 |
Rep. Pappas, Chris | [D-NH-1] | May 17, 2023 |
Rep. Landsman, Greg | [D-OH-1] | May 17, 2023 |
Rep. Perez, Marie Gluesenkamp | [D-WA-3] | May 17, 2023 |
Rep. Kim, Andy | [D-NJ-3] | May 17, 2023 |
Rep. Carson, Andre | [D-IN-7] | May 17, 2023 |
Rep. Hoyle, Val T. | [D-OR-4] | May 17, 2023 |
Rep. Lee, Susie | [D-NV-3] | May 17, 2023 |
Rep. Sherrill, Mikie | [D-NJ-11] | May 17, 2023 |
Rep. Wexton, Jennifer | [D-VA-10] | May 17, 2023 |
Rep. Turner, Michael R. | [R-OH-10] | May 18, 2023 |
Rep. Reschenthaler, Guy | [R-PA-14] | May 18, 2023 |
Rep. Salazar, Maria Elvira | [R-FL-27] | May 22, 2023 |
Rep. Lawler, Michael | [R-NY-17] | May 22, 2023 |
Rep. Ellzey, Jake | [R-TX-6] | May 22, 2023 |
Rep. Levin, Mike | [D-CA-49] | May 22, 2023 |
Rep. Crow, Jason | [D-CO-6] | May 22, 2023 |
Rep. Vasquez, Gabe | [D-NM-2] | May 22, 2023 |
Rep. Hayes, Jahana | [D-CT-5] | May 23, 2023 |
Rep. Lee, Barbara | [D-CA-12] | May 23, 2023 |
Rep. Gottheimer, Josh | [D-NJ-5] | May 23, 2023 |
Rep. Payne, Donald M., Jr. | [D-NJ-10] | May 23, 2023 |
Rep. Ivey, Glenn | [D-MD-4] | May 23, 2023 |
Rep. Harder, Josh | [D-CA-9] | May 24, 2023 |
Rep. Trone, David J. | [D-MD-6] | May 24, 2023 |
Rep. Kaptur, Marcy | [D-OH-9] | June 06, 2023 |
Rep. Pettersen, Brittany | [D-CO-7] | June 06, 2023 |
Rep. Kildee, Daniel T. | [D-MI-8] | June 06, 2023 |
Rep. Correa, J. Luis | [D-CA-46] | June 12, 2023 |
Rep. Simpson, Michael K. | [R-ID-2] | June 15, 2023 |
Rep. Nickel, Wiley | [D-NC-13] | June 20, 2023 |
Rep. Waltz, Michael | [R-FL-6] | June 20, 2023 |
Rep. Meuser, Daniel | [R-PA-9] | June 20, 2023 |
Rep. Thompson, Glenn | [R-PA-15] | June 30, 2023 |
Rep. Kean, Thomas H. | [R-NJ-7] | July 12, 2023 |
Rep. Costa, Jim | [D-CA-21] | July 12, 2023 |
Rep. Keating, William R. | [D-MA-9] | July 17, 2023 |
Rep. Wild, Susan | [D-PA-7] | July 17, 2023 |
Rep. Amodei, Mark E. | [R-NV-2] | July 20, 2023 |
Rep. Manning, Kathy E. | [D-NC-6] | July 20, 2023 |
Rep. Foushee, Valerie P. | [D-NC-4] | July 20, 2023 |
Rep. Strickland, Marilyn | [D-WA-10] | July 20, 2023 |
Rep. Crawford, Eric A. “Rick” | [R-AR-1] | July 25, 2023 |
Rep. Bishop, Sanford D., Jr. | [D-GA-2] | July 25, 2023 |
Rep. Craig, Angie | [D-MN-2] | July 25, 2023 |
Rep. Nehls, Troy E. | [R-TX-22] | July 27, 2023 |
Rep. Chavez-DeRemer, Lori | [R-OR-5] | July 27, 2023 |
Rep. Sánchez, Linda T. | [D-CA-38] | July 27, 2023 |
Rep. Cammack, Kat | [R-FL-3] | July 27, 2023 |
Rep. Mace, Nancy | [R-SC-1] | August 01, 2023 |
Rep. Dunn, Neal P. | [R-FL-2] | August 08, 2023 |
Rep. Tokuda, Jill N. | [D-HI-2] | August 08, 2023 |
Rep. Johnson, Henry C. “Hank,” Jr. | [D-GA-4] | August 08, 2023 |
Rep. Soto, Darren | [D-FL-9] | August 15, 2023 |
Rep. Carbajal, Salud O. | [D-CA-24] | August 15, 2023 |
Rep. Garbarino, Andrew R. | [R-NY-2] | August 29, 2023 |
Rep. Carter, Troy | [D-LA-2] | August 29, 2023 |
Rep. Kuster, Ann M. | [D-NH-2] | August 29, 2023 |
Rep. Hinson, Ashley | [R-IA-2] | September 08, 2023 |
Rep. Menendez, Robert | [D-NJ-8] | September 08, 2023 |
Rep. Ross, Deborah K. | [D-NC-2] | September 08, 2023 |
Rep. Pallone, Frank, Jr. | [D-NJ-6] | September 12, 2023 |
Rep. Dean, Madeleine | [D-PA-4] | September 12, 2023 |
Rep. Norcross, Donald | [D-NJ-1] | September 14, 2023 |
Rep. Van Drew, Jefferson | [R-NJ-2] | September 14, 2023 |
Rep. Larson, John B. | [D-CT-1] | September 14, 2023 |
Rep. Morelle, Joseph D. | [D-NY-25] | September 27, 2023 |
Rep. Tonko, Paul | [D-NY-20] | October 02, 2023 |
Rep. Lieu, Ted | [D-CA-36] | October 02, 2023 |
Rep. Cartwright, Matt | [D-PA-8] | October 13, 2023 |
Rep. Posey, Bill | [R-FL-8] | October 13, 2023 |
Rep. Nunn, Zachary | [R-IA-3] | October 13, 2023 |
Rep. Gallego, Ruben | [D-AZ-3] | October 19, 2023 |
Rep. Spanberger, Abigail Davis | [D-VA-7] | October 25, 2023 |
Rep. James, John | [R-MI-10] | November 02, 2023 |
Rep. Neguse, Joe | [D-CO-2] | November 07, 2023 |
Rep. De La Cruz, Monica | [R-TX-15] | November 07, 2023 |
Rep. Davis, Donald G. | [D-NC-1] | November 08, 2023 |
Rep. Franklin, C. Scott | [R-FL-18] | November 08, 2023 |
Rep. Lynch, Stephen F. | [D-MA-8] | November 13, 2023 |
Rep. Caraveo, Yadira | [D-CO-8] | November 21, 2023 |
Rep. Mills, Cory | [R-FL-7] | November 29, 2023 |
Rep. Scholten, Hillary J. | [D-MI-3] | November 29, 2023 |
Rep. Williams, Nikema | [D-GA-5] | December 05, 2023 |
Rep. Higgins, Clay | [R-LA-3] | December 07, 2023 |
Rep. Slotkin, Elissa | [D-MI-7] | December 07, 2023 |
Rep. Kiley, Kevin | [R-CA-3] | December 07, 2023 |
Rep. Horsford, Steven | [D-NV-4] | December 19, 2023 |
Rep. Trahan, Lori | [D-MA-3] | December 19, 2023 |
Rep. Mrvan, Frank J. | [D-IN-1] | January 31, 2024 |
Rep. Rogers, Mike D. | [R-AL-3] | February 23, 2024 |
Rep. Clarke, Yvette D. | [D-NY-9] | February 29, 2024 |
Rep. Bilirakis, Gus M. | [R-FL-12] | February 29, 2024 |
Rep. D’Esposito, Anthony | [R-NY-4] | February 29, 2024 |
Rep. Westerman, Bruce | [R-AR-4] | March 6, 2024 |
Rep. Jackson, Jonathan L. | [D-IL-1] | March 6, 2024 |
Rep. Amo, Gabe | [D-RI-1] | March 11, 2024 |
Rep. Malliotakis, Nicole | [R-NY-11] | March 11, 2024 |
Rep. Ciscomani, Juan | [R-AZ-6] | March 11, 2024 |
Rep. Salinas, Andrea | [D-OR-6] | March 12, 2024 |
Rep. Sykes, Emilia Strong | [D-OH-13] | March 12, 2024 |
Rep. Tenney, Claudia | [R-NY-24] | March 12, 2024 |
Rep. Adams, Alma S. | [D-NC-12] | March 19, 2024 |
Rep. Brown, Shontel M. | [D-OH-11] | March 19, 2024 |
The HELPER Act has 19 co-sponsors in the Senate.
Representative | Affiliation | Sponsor Date |
Sen. Ossoff, Jon | [D-GA]* | May 10, 2023 |
Sen. Brown, Sherrod | [D-OH]* | May 10, 2023 |
Sen. Warnock, Raphael G. | [D-GA]* | May 10, 2023 |
Sen. Menendez, Robert | [D-NJ]* | May 10, 2023 |
Sen. Cortez Masto, Catherine | [D-NV]* | May 10, 2023 |
Sen. Blumenthal, Richard | [D-CT]* | May 10, 2023 |
Sen. Scott, Rick | [R-FL] | May 18, 2023 |
Sen. Baldwin, Tammy | [D-WI] | June 06, 2023 |
Sen. Casey, Robert P., Jr. | [D-PA] | June 22, 2023 |
Sen. Heinrich, Martin | [D-NM] | September 06, 2023 |
Sen. Cardin, Benjamin L. | [D-MD] | September 11, 2023 |
Sen. Risch, James E. | [R-ID] | September 13, 2023 |
Sen. Boozman, John | [R-AR] | September 27, 2023 |
Sen. Booker, Cory A. | [D-NJ] | November 30, 2023 |
Sen. Rosen, Jacky | [D-NV] | December 14, 2023 |
Sen. Cassidy, Bill | [R-LA] | January 30, 2024 |
Sen. King, Angus S., Jr. | [I-ME] | March 5, 2024 |
Sen. Kelly, Mark | [D-AZ] | March 5, 2024 |
This article, "The HELPER Act Mortgage: Explained" draws on the author's professional mortgage experiences and references information found at these authoritative websites:
See how much home you can afford to buy. Use our no-risk Immediate Mortgage Approval and find your mortgage eligibility in an instant.
What is Debt-to-Income?
The HELPER Act is a 100% mortgage program, exempt from mortgage insurance, for teachers, firefighters, and law enforcement officer.
Be a better buyer. Subscribe now and never miss out on exclusive insights, new market trends, and first-time buyer programs.
Finding your dream starts here. Apply in minutes.
About
Learn
Research