Federal Housing Administration (FHA) home loan option for first-time homebuyers
No monthly mortgage insurance payment
Available to police and corrections officers, firefighters, EMTs and paramedics, and preK-12 teachers
No down payment
Makes homeownership more affordable for our hometown heroes, allowing them to live in the communities they serve
One-time, upfront mortgage insurance premium
PROUD SUPPORTERS OF THE HELPER ACT
Homeownership for first responders and educators can oftentimes be a difficult goal to reach. Unfortunately, these high-stress and high-commitment careers don't come with high- paying salaries. That's where the Homes for Every Local Protector, Educator, and Responder (HELPER) Act comes in.
The HELPER Act will support those that serve our communities by giving them the ability to afford a home in those communities. 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.
In May 2023, the HELPER Act was introduced in the Senate as S.1514 by Senators Marco Rubio (R-FL), Jon Ossoff (D-GA ), Sherrod Brown (D-OH), Richard Blumenthal (D-CT), Raphael Warnock (D-GA), and Catherine Cortez Masto (D-NV). The House companion, H.R.3170, was introduced by Representatives John Rutherford (R-FL-05) and Bonnie Watson Coleman (D-NJ-12).
Original Senate Sponsors
Senator
Marco Rubio (R-FL)
Senator
Bob Menendez (D-NJ)
Senator
Jon Ossoff (D-GA)
Senator
Catherine Cortez Masto (D-NV)
Senator
Sherrod Brown (D-OH)
Senator
Richard Blumenthal (D-CT)
Senator
Raphael Warnock (D-GA)
Original House Sponsors
Congressman
John Rutherford (R-FL-5th)
Congresswoman
Bonnie Watson Coleman (D-NJ-12th)
U.S. Senate Cosponsors
Rick Scott (R-FL)
John Boozman (R-AR)
John Fetterman (D-PA)
Tammy Baldwin (D-WI)
Cory Booker (D-NJ)
Lisa Murkowski (R-AK)
Bob Casey (D-PA)
Margaret Hassan (D-NH)
Jacky Rosen (D-NV)
Martin Heinrich (D-NM)
Jeanne Shaheen (D-NH)
Bill Cassidy (R-LA)
Ben Cardin (D-MD)
Ben Ray Lujan (D-NM)
Markwayne Mullin (R-OK)
Jim Risch (R-ID)
Mark Kelley (D-AZ)
Angus King (I-MA)
U.S. House Cosponsors
David Valadao
(R-CA-22)
Dutch Ruppersberger
(D-MD-02)
Nikki Budzinski
(D-IL-13)
Chris Pappas
(D-NH-01)
Susie Lee
(D-NV-03)
Michael Lawler
(R-NY-17)
Dan Kildee
(D-MI-08)
Jahana Hayes
(D-CT-05)
Tom Kean
(R-NJ-07))
Mark Amodei
(R-NV-02)
Troy Nehls
(R-TX-22)
Nancy Mace
(R-SC-01)
Andrew Garbarino
(R-NY-02)
Madeleine Dean
(D-PA-04)
Matt Cartwright
(D-PA-08)
Don Davis
(D-NC-01)
Donald Norcross
(D-NJ-01)
Bruce Westerman
(R-AR-04)
Andrea Salinas
(D-OR-05)
Jonathan Jackson
(D-IL-01)
Greg Stanton
(D-AZ-04)
Suzanne Bonamici
(D-OR-01)
Daniel Goldman
(D-NY-10)
Vicente Gonzalez
(D-TX-34)
Dwight Evans
(D-PA-03)
Chris Deluzio
(D-PA-17)
Greg Landsman
(D-OH-01)
Mikkie Sherill
(D-NJ-11)
Jake Ellzey
(R-TX-06)
Brittany Pettersen
(D-CO-07)
Glenn Ivey
(D-MD-04)
Luis Correa
(D-CA-46)
Bill Keating
(D-MA-09)
Lori Chavez-DeRemer
(R-OR-05)
Neal Dunn
(R-FL-02)
Troy Carter
(D-LA-02)
Rob Menendez
(D-NJ-08)
Zach Nunn
(R-IA-03)
Cory Mills
(R-FL-07)
John James
(R-MI-10)
Gus Bilirakis
(R-FL-12)
Claudia Tenney
(R-NY-24)
Kelly Armstrong
(R-ND-At Large)
Eric Sorensen
(D-IL-17)
Tony Gonzalez
(R-TX-23)
Julia Brownley
(D-CA-26)
Marc Veasey
(D-TX-33)
Dean Phillips
(D-MN-03)
Dina Titus
(D-NV-01)
Marie Gluesenkamp
Perez (D-WA-03)
Jennifer Wexton
(D-VA-10)
Mike Levin
(D-CA-49)
Barbara Lee
(D-CA-12)
Marcy Kaptur
(D-OH-09)
Mike Simpson
(R-ID-02)
Kathy Manning
(D-NC-06)
Angie Craig
(D-MN-02)
Salud Carbajal
(D-CA-24)
Ashley Hinson
(R-IA-02)
John Larson
(D-CT-01)
Ruben Gallego
(D-AZ-03)
Hillary Scholten
(D-MI-03)
Paul Tonko
(D-NY-20)
Yvette Clarke
(D-NY-09)
Shontel Brown
(D-OH-11)
Emilia Sykes
(D-OH-13)
Kevin Kiley
(R-CA-03)
Laurel Lee
(R-FL-15)
Ryan Zinke
(R-MT-01)
Chris Smith
(R-NJ-04)
Derek Kilmer
(D-WA-06)
Chrissy Houlahan
(D-PA-06)
Andy Kim
(D-NJ-03)
Mike Turner
(R-OH-10)
Jason Crow
(D-CO-06)
Donald Payne
(D-NJ-10)
Wiley Nickel
(D-NC-13)
Dan Meuser
(R-PA-09)
Marilyn Strickland
(D-WA-10)
Kat Cammack
(R-FL-03)
Darren Soto
(D-FL-09)
Ann Kuster
(D-NH-02)
Joseph Morelle
(D-NY-25)
Abigail Spanberger
(D-VA-07)
Scott Franklin
(R-FL-18)
Ted Lieu
(D-CA-36)
Anthony D’Esposito
(R-NY-04)
Gabe Amo
(D-RI-01)
Summer Lee
(D-PA-12)
Alma Adams
(D-NC-12)
Mark DeSaulnier
(D-CA-10)
Seth Moulton
(D-MA-06)
Brian Fitzpatrick
(R-PA-01)
Carlos Gimenez
(R-FL-28)
Jeff Jackson
(D-NC-14)
Andre Carson
(D-IN-07)
Guy Reschenthaler
(R-PA-14)
Gabe Vasquez
(D-NM-02)
David Trone
(D-MD-06)
Valerie Foushee
(D-NC-04)
Glenn Thompson
(R-PA-15)
Mike Waltz
(R-FL-06)
Linda Sánchez
(D-CA-38)
Hank Johnson
(D-GA-04)
Deborah Ross
(D-NC-02)
Jefferson Van Drew
(R-NJ-02)
Joe Neguse
(D-CO-02)
Stephen Lynch
(D-MA-08)
Lori Trahan
(D-MA-03)
Mike Rogers
(R-AL-03)
Nicole Malliotakis
(R-NY-11)
Yadira Caraveo
(D-CO-08)
Mary Sattler Peltola
(D-AK-At Large)
Clay Higgins
(R-LA-03)
Bill Pascrell
(D-NJ-09)
Mike Kelly
(R-PA-16)
Jasmine Crockett
(D-TX-30)
Val Hoyle
(D-OR-04)
Maria Elvira
Salazar (R-FL-27)
Josh Gottheimer
(D-NJ-05)
Josh Harder
(D-CA-09)
Susan Wild
(D-PA-07)
Jim Costa
(D-CA-21)
Sanford Bishop
(D-GA-02)
Rick Crawford
(R-AR-01)
Jill Tokuda
(D-HI-02)
Frank Pallone
(D-NJ-06)
Bill Posey
(R-FL-08)
Monica De La Cruz
(R-TX-15)
Yadira Caraveo
(D-CO-08)
Steven Horsford
(D-NV-04)
Frank Mrvan
(D-IN-01)
Juan Ciscomani
(R-AZ-06)
Eleanor Holmes Norton
(D-DC-01)
Nikema Williams
(D-GA-05)
Elissa Slotkin
(D-MI-07)
Endorsements
NATIONAL ENDORSEMENTS
American Association of State Troopers
Fraternal Order of Police
Major Cities Chiefs Association
National Association of Police Organizations
National Troopers Coalition
Association of Independent Mortgage Experts
National Association of Emergency Medical Technicians
Habitat for Humanity International
American Federation of Teachers
International Association of EMTs and Paramedics
Major County Sheriffs of America
National Education Association
State Troopers Fraternal Association
Association of American Educators
National Association of Federally-Insured Credit Unions
International Union of Police Associations, AFL-CIO
National Association of Home Builders
Federal Law Enforcement Officers Association
International Association of Fire Fighters
National Association of Hispanic Firefighters
National Tactical Officers Association
Habitat for Humanity International
International Association of Directors of Law Enforcement Standards and Training
National Association of REALTORS
STATE AND LOCAL ENDORSEMENTS
Alabama
- Alabama Association of Chiefs of Police
- Alabama Sheriffs Associations
- Alabama State FOP
- Jefferson County Mayors Association
- Sheriff of Baldwin County
- Sheriff of Barbour County
- Sheriff of Blount County
- Sheriff of Calhoun County
- Sheriff of Chilton County
- Sheriff of Clarke County
- Sheriff of Covington County
- Sheriff of Dallas County
- Sheriff of DeKalb County
- Sheriff of Etowah County
- Sheriff of Franklin County
- Sheriff of Hale County
- Sheriff of Jackson County
- Sheriff of Jefferson County
- Sheriff of Lee County
- Sheriff of Limestone County
- Sheriff of Madison County
- Sheriff of Marengo County
- Sheriff of Mobile County
- Sheriff of Montgomery County
- Sheriff of Morgan County
- Sheriff of Perry County
- Sheriff of Russell County
- Sheriff of Tallapoosa County
- Mayor of Albertville
- Mayor of Aliceville
- Mayor of Ashland
- Mayor of Atmore
- Mayor of Bayou La Batre
- Mayor of Brookside
- Mayor of Centreville
- Mayor of Clanton
- Mayor of Cordova
- Mayor of Elba
- Mayor of Enterprise
- Mayor of Fairfield
- Mayor of Foley
- Mayor of Fultondale
- Mayor of Gardendale
- Mayor of Gulf Shores
- Mayor Killen
- Mayor of Kimberly
- Mayor of Kinsey
- Mayor of Linden
- Mayor of Malvern
- Mayor of Marion
- Mayor of Midland City
- Mayor of Montevallo
- Mayor of Morris
- Mayor of Odenville
- Mayor of Owns Cross Roads
- Mayor of Oxford
- Mayor of Prichard
- Mayor of Satsuma
- Mayor of Sheffield
- Mayor of Slocomb
- Mayor of Snead
- Mayor of Springville
- Mayor of Tallassee
- Mayor of Valley Grande
- Southside Police Department
Alaska
- Anchorage Police Department
- Fairbanks Police Department
- Juneau Police Department
- Ketchikan Police Department
- Kodiak Police Department
- Petersburg Police Department
- Skagway Police Department
- Valdez Police Department
- Mayor of Cordova
- Mayor of Kodiak
Arizona
- Mayor of Avondale
- Mayor of Flagstaff
- Mayor of Marana
- Mayor of San Luis
Arkansas
- Arkansas Association of Chiefs of Police
- Arkansas Association of Fire Chiefs
- Sheriff of Benton County
- Sheriff of Calhoun County
- Sheriff of Chicot County
- Sheriff of Clark County
- Sheriff of Cleburne County
- Sheriff of Columbia County
- Sheriff of Crawford County
- Sheriff of Cross County
- Sheriff of Drew County
- Sheriff of Garland County
- Sheriff of Greene County
- Sheriff of Independence County
- Sheriff of Izard County
- Sheriff of Jackson County
- Sheriff of Jefferson County
- Sheriff of Lawrence County
- Sheriff of Little River County
- Sheriff of Logan County
- Sheriff of Lonoke County
- Sheriff of Miller County
- Sheriff of Mississippi county
- Sheriff of Perry County
- Sheriff of Phillips county
- Sheriff of Randolph County
- Shefill of Scott County
- Sheriff of Sebastian County
- Sheriff of Sharp County
- Sheriff of Union County
- Sheriff of Van Buren County
- Sheriff of Yell County
- Mayor of Fayetteville
- Mayor of Little Rock
- Mineral Springs Police Department
- Prairie Grove Police Department
California
- California Police Chiefs Association
- Peace Officers Research Association of California
- Mayor of Alhambra
- Mayor of Azusa
- Mayor of Brentwood
- Mayor of Buena Park
- Mayor of Carson
- Mayor of Coachella
- Mayor of Compton
- Mayor of Folsom
- Mayor of Fresno
- Mayor of Irvine
- Mayor of La Puente
- Mayor of Maywood
- Mayor of Oceanside
- Mayor of Perris
- Mayor of Rocklin
- Mayor of San Bernardino
- Mayor of San Jose
- Mayor of San Mateo
- Mayor of Santa Maria
- Mayor of West Sacramento
- Mayor of Whittier
Colorado
- Mayor of Aurora
- Mayor of Boulder
- Mayor of Broomfield
- Mayor of Colorado Springs
- Mayor of Littleton
- Mayor of Loveland
- Mayor of Pueblo
- Mayor of Thornton
District of Columbia
- US Capitol Police Labor Committee (FOP)
- DC Firefighters Association (IAFF)
Florida
- Florida Association of Mortgage Professionals
- Florida Deputy Sheriffs Association
- Florida Police Chiefs Association
- City of DeLand Police Department
- Flagler County Sheriff
- Lee County Sheriff
- Levy County Sheriff
- Volusia County Sheriff
- Mayor of Fort Myers
- Mayor of Fort Myers Beach
- Mayor of Hawthorne
- Mayor of Key West
- Mayor of Kissimmee
- Mayor of Melbourne Beach
- Mayor of Ponce Inlet
- Mayor of Port Richey
- Mayor of Springfield
- Mayor of Surfside
Georgia
- Georgia Federation of Teachers
- Georgia Municipal Association
- Habitat for Humanity of Georgia
- Professional Firefighters of Georgia (IAFF)
- Chairman of Monroe County Board of Commissioners
- Mayor of Johns Creek
Idaho
- Governor Brad Little
- Idaho Chiefs of Police Association
- Idaho Sheriffs’ Association
- Idaho State Police Association
- McCall Police Department
- Mountain Home Police Department
- Parma Police Department
- Sun Valley Police Department
- Sheriff of Ada County
- Sheriff of Bear Lake County
- Sheriff of Bingham County
- Sheriff of Canyon County
- Sheriff of Custer County
- Sheriff of Elmore County
- Sheriff of Gem County
- Sheriff of Gooding County
- Sheriff of Jefferson County
- Sheriff of Idaho County
- Sheriff of Kootenai County
- Sheriff of Owyhee County
- Sheriff of Lewis County
- Sheriff of Twin Falls County
- Sheriff of Valley County
- Sheriff of Washington County
- Mayor of American Falls
- Mayor of Ammon
- Mayor of Boise
- Mayor of Glenns Ferry
- Mayor of Ketchum
- Mayor of Malad City
- Mayor of Mountain Home
- Mayor of Ponderay
- Mayor or Post Falls
- Mayor of Priest River
- Mayor of Hayden
- Mayor of Rexburg
- Mayor of Rupert
- Mayor of Sandpoint
- Mayor of Sun Valley
Indiana
- Indiana Sheriffs’ Association
- Indiana State Police Alliance
Iowa
- Iowa Emergency Medical Services Association
- Iowa State Police Association
- Polk County Fire Chiefs Association
Kentucky
- Kentucky Association of Chiefs of Police
- Mayor of Owensboro
Louisiana
- Louisiana Association of Chiefs of Police
- Louisiana Federation of Teachers
- Louisiana Fire Chiefs Association
- Louisiana Law Enforcement Association, IUPA Local 83
- Louisiana Sheriffs’ Association
- Northeast Louisiana Economic Alliance
- Parish Presidents of Louisiana Association
- Police Jury Association of Louisiana
- Sheriff of Beauregard parish
- Sheriff of East Carroll Parish
- Sheriff of St. Bernard Parish
- Sheriff of St. John the Baptist Parish
- Sheriff of Terrebonne Parish
- Sheriff of Washington Parish
- Sheriff of West Baton Rouge Parish
- President of Acadia Parish
- President of Jefferson Davis Parish
- President of Lafourche Parish
- President of Livingston Parish
- President of Madison Parish
- President of Plaquemines Parish
- President of St. Bernard Parish
- President of St. Helena Parish
- President of Sabine Parish
- President of St. Mary Parish
- President of St. Tammany Parish
- Mayor-President of Baton Rouge City and East Baton Rouge Parish
- Mayor-President of Lafayette/Lafayette Parish
- Mayor of Benton
- Mayor of Blanchard
- Mayor of Carencro
- Mayor of Coushatta
- Mayor of Crowley
- Mayor of Dubach
- Mayor of Jonesboro
- Mayor of Kenner
- Mayor of Mansfield
- Mayor of McNary
- Mayor of Oakdale
- Mayor of Pineville
- Mayor of PLaquemine
- Mayor of Pollock
- Mayor of Port Vincent
- Mayor of Reeves
- Mayor of Sterlington
- Mayor of St. Martinville
- Mayor of Sulphur
- Mayor of Vivian
- Mayor of Winnfield
- Mayor of Winnsboro
- Mayor of Zachary
Maine
- Cumberland County Sheriff
Maryland
- Mayor of Frederick
- Mayor of Somerset
Massachusetts
- Massachusetts Chiefs of Police Association
- Massachusetts Correctional Officers Federated Union
- Mayor of Fall River
Minnesota
- Mayor of Deluth
- Mayor of Minneapolis
Mississippi
- Adams County Sheriff
- Mayor of Columbus
- Mayor of Moss Point
- Mayor of Olive Branch
Missouri
- Fire Fighters Association of Missouri
- Missouri State Troopers’ Association
- Mayor of Columbia
- Mayor of Ellisville
- Mayor of Frontenac
- Mayor of Washington
- Mayor of Webster Groves
Montana
- Montana Police Protective Association
- Montana State Firefighters Association
- Mayor of Great Falls
- Mayor of Billings
Nebraska
- Mayor of Schuyler
- Mayor of Scribner
Nevada
- Mayor of North Las Vegas
New Hampshire
- New Hampshire Chiefs of Police Association
- New Hampshire Sheriffs Association
- Mayor of Franklin
- Sheriff of Belknap County
- Sheriff of Cheshire County
- Sheriff of Grafton County
New Mexico
- Mayor of Hobbs
- Mayor of Las Cruces
- Mayor of Santa Fe
New Jersey
- New Jersey State Fireman’s Association
- Professional Firefighters Association of New Jersey (IAFF)
- State Troopers’ Fraternal Association of New Jersey
- Mayor of Montclair Township
- Mayor of South Brunswick Township
- Mayor of Princeton
New York
- Sergeants Benevolent Association of the NYPD
- Mayor of Rome
North Carolina
- North Carolina State Firefighters Association
- Mayor of Asheville
- Mayor of Bear Grass
- Mayor of Carrboro
- Mayor of Chapel Hill
- Mayor of Fayetteville
- Mayor of Goldsboro
- Mayor of Greensboro
- Mayor of Huntersville
- Mayor of Kinston
- Mayor of Midway
- Mayor of Mooresville
- Mayor of New Bern
- Mayor of Raleigh
- Mayor of Rocky Mount
- Mayor of Wake Forest
Oklahoma
- Sheriff of Oklahoma County
Ohio
- Ohio Association of Chiefs of Police
- Ohio Association of Professional Fire Fighters (IAFF)
- Ohio Mayors Alliance
- Ohio Municipal League
- Lorain County Sheriff
- Stark County Sheriff
- Mayor of Athens
- Mayor of Canton
- Mayor of Dayton
- Mayor of Elyria
- Mayor of Lorain
- Mayor of Massillon
- Mayor of New Albany
- Mayor of Reynoldsburg
- Mayor of Trotwood
Oregon
- Mayor of Medford
- Mayor of Portland
Pennsylvania
- Blair County Sheriff
- Fayette County Sheriff
- PA Chiefs of Police Association
- PA Professional Fire Fighters Association (IAFF)
- Pennsylvania Sheriffs’ Association
- Pennsylvania State Corrections Officers Association
Rhode Island
- Mayor of Central Falls
South Carolina
- South Carolina State Firefighters’ Association
- Richland County Sheriff
- Belmont Fire Department
- Cheraw Fire Department
- Great Falls Fire Department
- Pickens Fire Department
- Slater Marietta Fire Department
- Mayor of Charleston
- Mayor of Conway
- Mayor of Gray Court
- Mayor of Greenville
- Mayor of Hanahan
- Mayor of Mount Pleasant
- Mayor of North Augusta
- Mayor of York
Tennessee
- Professional Educators of Tennessee
- Mayor of Knoxville
- Mayor of Jackson
Texas
- Texas State Troopers Association
- Mayor of Alice
- Mayor of Arlington
- Mayor of Cibolo
- Mayor of Eastland
- Mayor of Port Arthur
Virginia
- Virginia Association of Chiefs of Police
Washington
- Mayor of Everett
- Mayor of Lacey
- Mayor of Shoreline
West Virginia
- West Virginia Chiefs of Police Association
- West Virginia Deputy Sheriffs’ Association
- Charleston Police Department
Wisconsin
- Mayor of Milwaukee
- Mayor of Wausau
Wyoming
- Wyoming Emergency Medical Services Association
- Mayor of Rock Springs
- Mayor of Sarasota
Letters of Support
We're so excited each time we receive a letter or note from an individual or organization supporting The HELPER Act. We wanted to share these with you, so you can see just how many incredible people are gathering together to support our Heroes and Helpers!
Take Action!
Download the HELPER Act Call to Action Handout to build awareness in your community and empower others to contact their representatives in Washington to ask for support of the HELPER Act. This handout contains the following information:
- HELPER Act summary to distribute as flyer or email
- Link to promotional video
- Link to H.R.3170 & S.1514
- Link to find your Representative
- Link to PasstheHELPERAct.org
- Copy & paste letter to send to your representatives
The list of people and organizations who believe in the HELPER Act is growing every day! If you believe in the bipartisan cause of providing safe and affordable homes for our police officers, firefighters, educators, and EMTs, please get involved! Fill out this form to have the HELPER Act team reach out to you and share how you can further the cause.