Homepage - The HELPER Act
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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


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

Marco Rubio (R-FL)

Bob Menendez (D-NJ)

Jon Ossoff (D-GA)

Catherine Cortez Masto (D-NV)

Sherrod Brown (D-OH)

Richard Blumenthal (D-CT)

Raphael Warnock (D-GA)

Original House Sponsors

John Rutherford (R-FL-5th)

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)


Markwayne Mullin (R-OK)


Jim Risch (R-ID)

Mark Kelly (D-AZ)

Mark Kelley (D-AZ)

King Jr Angus

Angus King (I-MA)

U.S. House Cosponsors

David Valadao (R-CA-22)

David Valadao

Dutch Ruppersberger (D-MD-02)

Dutch Ruppersberger

Nikki Budzinski (D-IL-13)

Nikki Budzinski

Chris Pappas (D-NH-01)

Chris Pappas

Susie Lee (D-NV-03)

Susie Lee

Michael Lawler (R-NY-17)

Michael Lawler

Dan Kildee (D-MI-08)

Dan Kildee

Jahana Hayes (D-CT-05)

Jahana Hayes

Tom Kean (R-NJ-07)

Tom Kean

Mark Amodei (R-NV-02)

Mark Amodei

Troy Nehls (R-TX-22)

Troy Nehls

Nancy Mace (R-SC-01)

Nancy Mace

Andrew Garbarino (R-NY-02)

Andrew Garbarino

Madeleine Dean

Madeleine Dean

Matt Cartwright (D-PA-08)

Matt Cartwright

Don Davis (D-NC-01)

Don Davis

Donald Norcross (D-NJ-01)

Donald Norcross

Bruce Westerman (R-AR-04)

Bruce Westerman

Andrea Salinas (D-OR-05)

Andrea Salinas

Vicente Gonzalez (D-TX-34)

Vicente Gonzalez

Dwight Evans (D-PA-03)

Dwight Evans

Chris Deluzio (D-PA-17)

Chris Deluzio

Greg Landsman (D-OH-01)

Greg Landsman

Mikkie Sherill (D-NJ-11)

Mikkie Sherill

Jake Ellzey (R-TX-06)

Jake Ellzey

Brittany Pettersen (D-CO-07)

Brittany Pettersen

Glenn Ivey (D-MD-04)

Glenn Ivey

Luis Correa (D-CA-46)

Luis Correa

Bill Keating (D-MA-09)

Bill Keating

Lori Chavez-DeRemer (R-OR-05)

Lori Chavez-DeRemer

Neal Dunn (R-FL-02)

Neal Dunn

Troy Carter (D-LA-02)

Troy Carter

Rob Menendez

Rob Menendez

Zach Nunn (R-IA-03)

Zach Nunn

Cory Mills (R-FL-07)

Cory Mills

John James (R-MI-10)

John James

Gus Bilirakis (R-FL-12)

Gus Bilirakis

Claudia Tenney (R-NY-24)

Claudia Tenney

Marc Veasey (D-TX-33)

Marc Veasey

Dean Phillips (D-MN-03)

Dean Phillips

Dina Titus (D-NV-01)

Dina Titus

Marie Gluesenkamp Perez (D-WA-03)

Marie Gluesenkamp
Perez (D-WA-03)

Jennifer Wexton (D-VA-10)

Jennifer Wexton

Mike Levin (D-CA-49)

Mike Levin

Barbara Lee (D-CA-12)

Barbara Lee

Marcy Kaptur (D-OH-09)

Marcy Kaptur

Mike Simpson (R-ID-02)

Mike Simpson

Kathy Manning (D-NC-06)

Kathy Manning

Angie Craig (D-MN-02)

Angie Craig

Salud Carbajal (D-CA-24)

Salud Carbajal

Ashley Hinson (R-IA-02)

Ashley Hinson

John Larson

John Larson

Ruben Gallego (D-AZ-03)

Ruben Gallego

Hillary Scholten (D-MI-03)

Hillary Scholten

Paul Tonko (D-NY-20)

Paul Tonko

Yvette Clarke (D-NY-09)

Yvette Clarke

Emilia Sykes (D-OH-13)

Emilia Sykes

Chris Smith (R-NJ-04)

Chris Smith

Derek Kilmer (D-WA-06)

Derek Kilmer

Chrissy Houlahan (D-PA-06)

Chrissy Houlahan

Andy Kim (D-NJ-03)

Andy Kim

Mike Turner (R-OH-10)

Mike Turner

Jason Crow (D-CO-06)

Jason Crow

Donald Payne (D-NJ-10)

Donald Payne

Wiley Nickel (D-NC-13)

Wiley Nickel

Dan Meuser (R-PA-09)

Dan Meuser

Marilyn Strickland (D-WA-10)

Marilyn Strickland

Kat Cammack (R-FL-03)

Kat Cammack

Darren Soto (D-FL-09)

Darren Soto

Ann Kuster (D-NH-02)

Ann Kuster

Joseph Morelle (D-NY-25)

Joseph Morelle

Abigail Spanberger (D-VA-07)

Abigail Spanberger

Scott Franklin (R-FL-18)

Scott Franklin

Ted Lieu (D-CA-36)

Ted Lieu

Anthony D'Esposito (R-NY-04)

Anthony D’Esposito

Gabe Amo (D-RI-01)

Gabe Amo

Brian Fitzpatrick (R-PA-01)

Brian Fitzpatrick

Carlos Gimenez (R-FL-28)

Carlos Gimenez

Jeff Jackson (D-NC-14)

Jeff Jackson

Andre Carson (D-IN-07)

Andre Carson

Guy Reschenthaler (R-PA-14)

Guy Reschenthaler

Gabe Vasquez (D-NM-02)

Gabe Vasquez

David Trone (D-MD-06)

David Trone

Valerie Foushee (D-NC-04)

Valerie Foushee

Glenn Thompson (R-PA-15)

Glenn Thompson

Mike Waltz (R-FL-06)

Mike Waltz

Linda Sánchez (D-CA-38)

Linda Sánchez

Hank Johnson (D-GA-04)

Hank Johnson

Deborah Ross

Deborah Ross

Jefferson Van Drew (R-NJ-02)

Jefferson Van Drew

Joe Neguse (D-CO-02)

Joe Neguse

Stephen Lynch (D-MA-08)

Stephen Lynch

Lori Trahan D-MA-03

Lori Trahan


Mike Rogers (R-AL-03)

Mike Rogers

Nicole Malliotakis (R-NY-11)

Nicole Malliotakis

Bill Pascrell (D-NJ-09)

Bill Pascrell

Mike Kelly (R-PA-16)

Mike Kelly

Jasmine Crockett (D-TX-30)

Jasmine Crockett

Val Hoyle (D-OR-04)

Val Hoyle

Maria Elvira Salazar (R-FL-27)

Maria Elvira
Salazar (R-FL-27)

Josh Gottheimer (D-NJ-05)

Josh Gottheimer

Josh Harder (D-CA-09)

Josh Harder

Susan Wild (D-PA-07)

Susan Wild

Jim Costa (D-CA-21)

Jim Costa

Sanford Bishop (D-GA-02)

Sanford Bishop

Rick Crawford (R-AR-01)

Rick Crawford

Jill Tokuda (D-HI-02)

Jill Tokuda

Frank Pallone

Frank Pallone

Bill Posey (R-FL-08)

Bill Posey

Monica De La Cruz (R-TX-15)

Monica De La Cruz

Yadira Caraveo (D-CO-08)

Yadira Caraveo

Steven Horsford D-NV-04

Steven Horsford


Frank Mrvan (D-IN-01)

Frank Mrvan


Juan Ciscomani (R-AZ-06)

Juan Ciscomani



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


  • Alabama Association of Chiefs of Police
  • Mayor of Atmore
  • Mayor of Albertville
  • Mayor of Avondale
  • Mayor of Flagstaff
  • Mayor of Marana
  • Mayor of San Luis
  • 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 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
  • 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 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 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
  • 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 Sheriffs’ Association
  • Indiana State Police Alliance
  • Iowa Emergency Medical Services Association
  • Iowa State Police Association
  • Polk County Fire Chiefs Association
  • Kentucky Association of Chiefs of Police
  • Mayor of Owensboro
  • 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
  • Cumberland County Sheriff
  • Mayor of Frederick
  • Mayor of Somerset
  • Massachusetts Chiefs of Police Association
  • Massachusetts Correctional Officers Federated Union
  • Mayor of Fall River
  • Mayor of Minneapolis
  • Adams County Sheriff
  • Fire Fighters Association of Missouri
  • Missouri State Troopers’ Association
  • Mayor of Columbia
  • Mayor of Ellisville
  • Mayor of Washington
  • Montana State Firefighters Association
  • Mayor of Great Falls
  • Mayor of Billings
  • Mayor of Schuyler
  • Mayor of Scribner
  • 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 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 Medford
  • Mayor of Portland
  • 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
  • Professional Educators of Tennessee
  • Mayor of Knoxville
  • Mayor of Jackson
  • Texas State Troopers Association
  • Mayor of Alice
  • Mayor of Arlington
  • Mayor of Cibolo
  • Mayor of Port Arthur
  • 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
  • Mayor of Milwaukee
  • Mayor of Wausau
  • 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!



Contact Us

For questions or media inquiries, please contact: