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The Helper Act - Homes For Every Local Protector, Educator, And Responder Act

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The HELPER Act Mortgage: Explained

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, May 22, 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.

The HELPER Act: First-Time Home Buyers Get 100% Mortgages

Did The HELPER Act Pass Yet? 

As of May 22, 2024, the HELPER Act has not yet been passed.

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

What is The HELPER Act?

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:

  • Must work full-time as a K-12 educator, firefighter, or law enforcement officer; or full-time as a paramedic or emergency medical technician (EMT) with a federal, state, Tribal, or local government
  • Must have worked at least four of the last five years in a qualifying job
  • Must be in “good standing” with their employer with a plan to work another 12 months, at least
  • Must be purchasing a 1-unit primary residence – vacation homes and rentals are not allowed
  • Must be using the HELPER Act mortgage for the first time
  • Must meet the basic eligibility requirements of an FHA loan
  • Must be a first-time home buyer, defined as not owning a home for the prior three years

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. 

How Does The HELPER Act Mortgage Work?

The HELPER Act mortgage is a standard FHA mortgage with three essential modifications. 

  1. Replaces the FHA’s 3.5% down payment requirement with a no-money-down option
  2. Removes the buyer’s obligation to pay monthly mortgage insurance premiums (MIP)
  3. Raises the buyer’s FHA upfront mortgage insurance premium to at least three percent

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 to 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:

  • Buyers can choose from fixed-rate and adjustable-rate mortgage (ARM) options
  • Buyers can be pre-approved with credit scores of 500 or higher
  • Income requirements are more flexible compared to other mortgage types

In addition, FHA loans are assumable mortgages, which can improve the future marketability of a home.

Who Is Eligible For The HELPER Act?

The HELPER Act bill lists six eligibility standards for home buyers to qualify for a no-money-down, no MIP HELPER Act mortgage. 

1. Must be a first-time home buyer

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.

2. Must be a full-time “protector, educator, or responder”

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.

3. Must have four years of employment in a HELPER Act-eligible job 

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.

4. Must plan to continue employment for at least one year

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 jobs after closing will not. 

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5. Must be in good standing at the place of employment

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. 

6. Must be using The HELPER Act for the first time

The HELPER Act mortgage is a single-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.

7. Must be purchasing a 1-unit home

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.

8. Must be eligible for an FHA mortgage

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.

How To Apply For A HELPER Act Mortgage

The HELPER Act mortgage is a modified FHA mortgage, so home buyers can apply for it using the standard FHA application.

First, before beginning your application, make sure you meet the FHA’s minimum mortgage standards, including:

  1. A credit score of 500 or higher
  2. Proof of income through W-2s and paystubs
  3. A manageable debt-to-income ratio
  4. A valid social security number
  5. U.S. citizenship or legal residency 

Next, make sure you meet the additional program requirements of the HELPER Act mortgage:

  1. Must be a first-time home buyer
  2. At least four years of work experience in an approved, full-time job
  3. An intention to remain in your position for at least 12 more months
  4. A plan to purchase a 1-unit home, condo, or manufactured home

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 a downpayment assistance program, and it is available in most states to first-time buyers.

Click here to get started.

HELPER Act 100% Mortgage Alternatives

  HELPER Act USDA Mortgage VA Mortgage Conventional 100 Doctor Loan Forgivable Mortgages
0% Down Payment ✔️ ✔️ ✔️ ✔️   ✔️
First-Time Buyers Only ✔️     ✔️    
Upfront Mortgage Insurance   ✔️ ✔️ ✔️   ✔️
Monthly Mortgage Insurance   ✔️ ✔️     ✔️
Income Restrictions ✔️ ✔️   ✔️   ✔️
Address Restrictions ✔️ ✔️   ✔️   ✔️
Employment Restrictions ✔️   ✔️     ✔️
Multi-Unit Eligible ✔️     ✔️ ✔️ ✔️

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. 

1. USDA Mortgage

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. 

2. VA Mortgage

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 allows lenders to 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. 

3. The Conventional 100 Mortgage

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.

4. Doctor Loans

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.

5. 100% Forgivable Mortgages

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

When Will The HELPER Act Pass?

The HELPER Act is expected to be enacted in late-2024. 

The bill’s timeline through Congress is as follows:

  • Introduced in the House as bipartisan H.R. 3172, May 13, 2021
  • Added 11 co-sponsors from both parties
  • Introduced in the Senate as bipartisan S. 2981, October 7, 2021
  • Added 62 additional bipartisan co-sponsors in the House of Representatives, 2022
  • Added 16 additional bipartisan co-sponsors in the Senate, 2022
  • Re-introduced as H.R. 3170, May 10, 2023 – now with 122 bipartisan co-sponsors
  • Re-introduced as S. 1514, May 10, 2023 – with 15 bipartisan co-sponsors

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: 

  • 3.7 million full-time pre-K through Grade 12 educators
  • 700,000 full-time law enforcement officers
  • 370,000 full-time firefighters
  • 260,000 full-time emergency medical technicians and paramedics

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.

Common Questions About The HELPER Act

Is this webpage updated with accurate HELPER Act information?

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.

Is The HELPER Act for first-time home buyers only?

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.

What’s different between the current version of the HELPER Act and the original HELPER Act of 2021?

Key differences exist between the 2021 HELPER Act and the current HELPER Act bills. In the new version of the bill:

  1. The HELPER Act applies to first-time home buyers only
  2. The HELPER Act includes Tribal governments in the eligible employer list
  3. The HELPER Act changes job history to accept gaps in full-time employment

What is the status of the HELPER Act?

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.

Is The HELPER Act available yet?

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.

I have four years of employment as a first responder but with different employers. Am I still eligible for a HELPER Act mortgage?

The HELPER Act requires home buyers to work as teachers or first responders for four consecutive years. Buyers are not required to work for the same employer for all four years or in the same role.

I was a full-time firefighter for two years and became a teacher for the next two years. Am I eligible to use The HELPER Act?

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. 

What will happen if I leave my job within 12 months of using a HELPER Act mortgage?

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. 

Does The HELPER Act have an income limit?

No, The HELPER Act doesn’t enforce income limitations. 

Can I use The HELPER Act to buy a short-term rental property?

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.

Who is the HELPER Act’s primary sponsor in Congress?

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.

Who are the HELPER Act co-sponsors in Congress?

As of May 22, 2024, there are 137 co-sponsors in the House of Representatives for The HELPER Act.

RepresentativeAffiliationSponsor 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
Rep. DeSaulnier, Mark[D-CA-10]March 26, 2024
Rep. Lee, Summer L.[D-PA-12]March 26, 2024
Rep. Sorensen, Eric[D-IL-17]March 29, 2024
Del. Norton, Eleanor Holmes[D-DC-At Large]March 29, 2024
Rep. Armstrong, Kelly[R-ND-At Large]April 11, 2024
Rep. Peltola, Mary Sattler[D-AK-At Large]April 12, 2024
Rep. Brownley, Julia[D-CA-26]April 29, 2024
Rep. Gonzales, Tony/td>[R-TX-23]May 7, 2024
Rep. Lee, Laurel M./td>[R-FL-15]May 8, 2024
Rep. Bonamici, Suzanne[D-OR-1]May 14, 2024
Rep. Moulton, Seth[D-MA-6]May 14, 2024
Rep. Larsen, Rick[D-WA-2]May 15, 2024
Rep. Zinke, Ryan K.[R-MT-1]May 16, 2024
Rep. Goldman, Daniel S.[D-NY-10]May 16, 2024

The HELPER Act has 24 co-sponsors in the Senate.

RepresentativeAffiliationSponsor 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
Sen. Lujan, Ben Ray[D-AZ]April 10, 2024
Sen. Shaheen, Jeanne[D-NH]April 16, 2024
Sen. Hassan, Margaret Wood[D-NH]April 17, 2024
Sen. Murkowski, Lisa[R-AK]May 15, 2024
Sen. Fetterman, John[D-PA]May 15, 2024


This article, "The HELPER Act Mortgage: Explained" draws on the author's professional mortgage experiences and references information found at these authoritative websites:


  • May 20, 2024: Added new co-sponsors in the House and Senate; Edited for grammar and clarity.
  • April 24, 2024: Added additional co-sponsors
  • April 14, 2024: Added additional sponsors in the House and Senate.
  • April 10, 2024: Added the First-Time Home Buyer Act of 2024, which gives a $15,000 tax credit at closing
  • March 30, 2024: Added additional co-sponsors in the House. There are now 126 co-sponsors of The HELPER Act.
  • March 25, 2024: Added additional co-sponsors in the House; Revised introduction for clarity.
  • March 25, 2024: Added additional co-sponsors in the House.
  • March 7, 2024: Added additional co-sponsors in the House
  • March 6, 2024: Added additional co-sponsors in the Senate
  • February 25, 2024: Added additional co-sponsors;
  • May 18, 2023: Original publish date

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