Homepage - The HELPER Act
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WHAT IS THE HELPER ACT?

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)


Rick Scott (R-FL)

John Boozman (R-AR)


John Boozman (R-AR)

Tammy Baldwin (D-WI)


Tammy Baldwin (D-WI)

Cory Booker (D-NJ)


Cory Booker (D-NJ)

Bob Casey (D-PA)


Bob Casey (D-PA)

Jacky Rosen D-NV


Jacky Rosen (D-NV)

Martin Heinrich (D-NM)


Martin Heinrich (D-NM)

Bill Cassidy (Louisiana)


Bill Cassidy (R-LA)

Ben Cardin (D-MD)


Ben Cardin (D-MD)

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Markwayne Mullin (R-OK)

Jim-Risch


Jim Risch (R-ID)

U.S. House Cosponsors

David Valadao (R-CA-22)


David Valadao
(R-CA-22)

Dutch Ruppersberger (D-MD-02)


Dutch Ruppersberger
(D-MD-02)

Nikki Budzinski (D-IL-13)


Nikki Budzinski
(D-IL-13)

Chris Pappas (D-NH-01)


Chris Pappas
(D-NH-01)

Susie Lee (D-NV-03)


Susie Lee
(D-NV-03)

Michael Lawler (R-NY-17)


Michael Lawler
(R-NY-17)

Dan Kildee (D-MI-08)


Dan Kildee
(D-MI-08)

Jahana Hayes (D-CT-05)


Jahana Hayes
(D-CT-05)

Tom Kean (R-NJ-07)


Tom Kean
(R-NJ-07))

Mark Amodei (R-NV-02)


Mark Amodei
(R-NV-02)

Troy Nehls (R-TX-22)


Troy Nehls
(R-TX-22)

Nancy Mace (R-SC-01)


Nancy Mace
(R-SC-01)

Andrew Garbarino (R-NY-02)


Andrew Garbarino
(R-NY-02)

Madeleine Dean


Madeleine Dean
(D-PA-04)

Matt Cartwright (D-PA-08)


Matt Cartwright
(D-PA-08)

Don Davis (D-NC-01)


Don Davis
(D-NC-01)

Donald Norcross (D-NJ-01)


Donald Norcross
(D-NJ-01)

Vicente Gonzalez (D-TX-34)


Vicente Gonzalez
(D-TX-34)

Dwight Evans (D-PA-03)


Dwight Evans
(D-PA-03)

Chris Deluzio (D-PA-17)


Chris Deluzio
(D-PA-17)

Greg Landsman (D-OH-01)


Greg Landsman
(D-OH-01)

Mikkie Sherill (D-NJ-11)


Mikkie Sherill
(D-NJ-11)

Jake Ellzey (R-TX-06)


Jake Ellzey
(R-TX-06)

Brittany Pettersen (D-CO-07)


Brittany Pettersen
(D-CO-07)

Glenn Ivey (D-MD-04)


Glenn Ivey
(D-MD-04)

Luis Correa (D-CA-46)


Luis Correa
(D-CA-46)

Bill Keating (D-MA-09)


Bill Keating
(D-MA-09)

Lori Chavez-DeRemer (R-OR-05)


Lori Chavez-DeRemer
(R-OR-05)

Neal Dunn (R-FL-02)


Neal Dunn
(R-FL-02)

Troy Carter (D-LA-02)


Troy Carter
(D-LA-02)

Rob Menendez


Rob Menendez
(D-NJ-08)

Zach Nunn (R-IA-03)


Zach Nunn
(R-IA-03)

Cory Mills (R-FL-07)


Cory Mills
(R-FL-07)

John James (R-MI-10)


John James
(R-MI-10)

Marc Veasey (D-TX-33)


Marc Veasey
(D-TX-33)

Dean Phillips (D-MN-03)


Dean Phillips
(D-MN-03)

Dina Titus (D-NV-01)


Dina Titus
(D-NV-01)

Marie Gluesenkamp Perez (D-WA-03)


Marie Gluesenkamp
Perez (D-WA-03)

Jennifer Wexton (D-VA-10)


Jennifer Wexton
(D-VA-10)

Mike Levin (D-CA-49)


Mike Levin
(D-CA-49)

Barbara Lee (D-CA-12)


Barbara Lee
(D-CA-12)

Marcy Kaptur (D-OH-09)


Marcy Kaptur
(D-OH-09)

Mike Simpson (R-ID-02)


Mike Simpson
(R-ID-02)

Kathy Manning (D-NC-06)


Kathy Manning
(D-NC-06)

Angie Craig (D-MN-02)


Angie Craig
(D-MN-02)

Salud Carbajal (D-CA-24)


Salud Carbajal
(D-CA-24)

Ashley Hinson (R-IA-02)


Ashley Hinson
(R-IA-02)

John Larson


John Larson
(D-CT-01)

Ruben Gallego (D-AZ-03)


Ruben Gallego
(D-AZ-03)

Hillary Scholten (D-MI-03)


Hillary Scholten
(D-MI-03)

Paul Tonko (D-NY-20)


Paul Tonko
(D-NY-20)

Chris Smith (R-NJ-04)


Chris Smith
(R-NJ-04)

Derek Kilmer (D-WA-06)


Derek Kilmer
(D-WA-06)

Chrissy Houlahan (D-PA-06)


Chrissy Houlahan
(D-PA-06)

Andy Kim (D-NJ-03)


Andy Kim
(D-NJ-03)

Mike Turner (R-OH-10)


Mike Turner
(R-OH-10)

Jason Crow (D-CO-06)


Jason Crow
(D-CO-06)

Donald Payne (D-NJ-10)


Donald Payne
(D-NJ-10)

Wiley Nickel (D-NC-13)


Wiley Nickel
(D-NC-13)

Dan Meuser (R-PA-09)


Dan Meuser
(R-PA-09)

Marilyn Strickland (D-WA-10)


Marilyn Strickland
(D-WA-10)

Kat Cammack (R-FL-03)


Kat Cammack
(R-FL-03)

Darren Soto (D-FL-09)


Darren Soto
(D-FL-09)

Ann Kuster (D-NH-02)


Ann Kuster
(D-NH-02)

Joseph Morelle (D-NY-25)


Joseph Morelle
(D-NY-25)

Abigail Spanberger (D-VA-07)


Abigail Spanberger
(D-VA-07)

Scott Franklin (R-FL-18)


Scott Franklin
(R-FL-18)

Ted Lieu (D-CA-36)


Ted Lieu
(D-CA-36)

Brian Fitzpatrick (R-PA-01)


Brian Fitzpatrick
(R-PA-01)

Carlos Gimenez (R-FL-28)


Carlos Gimenez
(R-FL-28)

Jeff Jackson (D-NC-14)


Jeff Jackson
(D-NC-14)

Andre Carson (D-IN-07)


Andre Carson
(D-IN-07)

Guy Reschenthaler (R-PA-14)


Guy Reschenthaler
(R-PA-14)

Gabe Vasquez (D-NM-02)


Gabe Vasquez
(D-NM-02)

David Trone (D-MD-06)


David Trone
(D-MD-06)

Valerie Foushee (D-NC-04)


Valerie Foushee
(D-NC-04)

Glenn Thompson (R-PA-15)


Glenn Thompson
(R-PA-15)

Mike Waltz (R-FL-06)


Mike Waltz
(R-FL-06)

Linda Sánchez (D-CA-38)


Linda Sánchez
(D-CA-38)

Hank Johnson (D-GA-04)


Hank Johnson
(D-GA-04)

Deborah Ross


Deborah Ross
(D-NC-02)

Jefferson Van Drew (R-NJ-02)


Jefferson Van Drew
(R-NJ-02)

Joe Neguse (D-CO-02)


Joe Neguse
(D-CO-02)

Stephen Lynch (D-MA-08)


Stephen Lynch
(D-MA-08)

Lori Trahan D-MA-03


Lori Trahan

(D-MA-03)

Bill Pascrell (D-NJ-09)


Bill Pascrell
(D-NJ-09)

Mike Kelly (R-PA-16)


Mike Kelly
(R-PA-16)

Jasmine Crockett (D-TX-30)


Jasmine Crockett
(D-TX-30)

Val Hoyle (D-OR-04)


Val Hoyle
(D-OR-04)

Maria Elvira Salazar (R-FL-27)


Maria Elvira
Salazar (R-FL-27)

Josh Gottheimer (D-NJ-05)


Josh Gottheimer
(D-NJ-05)

Josh Harder (D-CA-09)


Josh Harder
(D-CA-09)

Susan Wild (D-PA-07)


Susan Wild
(D-PA-07)

Jim Costa (D-CA-21)


Jim Costa
(D-CA-21)

Sanford Bishop (D-GA-02)


Sanford Bishop
(D-GA-02)

Rick Crawford (R-AR-01)


Rick Crawford
(R-AR-01)

Jill Tokuda (D-HI-02)


Jill Tokuda
(D-HI-02)

Frank Pallone


Frank Pallone
(D-NJ-06)

Bill Posey (R-FL-08)


Bill Posey
(R-FL-08)

Monica De La Cruz (R-TX-15)


Monica De La Cruz
(R-TX-15)

Yadira Caraveo (D-CO-08)


Yadira Caraveo
(D-CO-08)

Steven Horsford D-NV-04


Steven Horsford

(D-NV-04)

Frank Mrvan (D-IN-01)


Frank Mrvan

(D-IN-01)

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

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

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
  • Mayor of Atmore
  • Mayor of Albertville
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
  • Mineral Springs Police Department
  • Prairie Grove Police Department
  • Mayor of Fayetteville
  • Mayor of Little Rock
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
  • Ada County Sheriff
  • Bear Lake County Sheriff
  • Canyon County Sheriff
  • Elmore County Sheriff
  • Twin Falls County Sheriff
  • Valley County Sheriff
  • Mayor of American Falls
  • Mayor of Boise
  • Mayor of Ketchum
  • Mayor of Post Falls
  • Mayor of Priest River
  • Mayor of Rexburg
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 Policee
  • Louisiana Fire Chiefs Association
  • Louisiana Sheriffs’ Association
  • Sheriff of West Baton Rouge Parish
  • Mayor-President of Baton Rouge City and Parish
  • Mayor of Coushatta
  • Mayor of Dubach
  • Mayor of Kenner
  • Mayor of Sulphur
  • Mayor of Vivian
  • President of Lafourche Parish
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 Minneapolis
Mississippi
  • Adams County Sheriff
Missouri
  • Fire Fighters Association of Missouri
  • Missouri State Troopers’ Association
  • Mayor of Columbia
  • Mayor of Ellisville
  • Mayor of Washington
Montana
  • 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
  • Mayor of Franklin
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 Mexico
  • Mayor of Hobbs
  • Mayor of Las Cruces
  • Mayor of Santa Fe
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
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
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 Port Arthur
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
Wyoming
  • Mayor of Milwaukee
  • Mayor of Wausau
Wyoming
  • Wyoming Emergency Medical Services Association

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.

Helper Act Contact Me Form!

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