Who it affects
- Law enforcement officers
- Elementary and secondary school teachers
- Firefighters
- Other first responders
In committeeHousing
HELPER Act of 2025
S. 978 · Senate bill · Introduced March 12, 2025
The HELPER Act of 2025 would create a mortgage assistance program for law enforcement officers, school teachers, firefighters, and other first responders.
At a glance
Where it stands
In committee
How South Carolina voted
No recorded votes yet.
See each vote ↓Lobbying and money
No lobbying reported yet
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
What it would do
- The bill would create a mortgage assistance program run by the Department of Housing and Urban Development.
- It would cover law enforcement officers, elementary and secondary school teachers, firefighters, and other first responders.
- Eligible individuals could get a first-time mortgage for their main family home with no down payment.
- Instead, the mortgage would require a one-time, up-front mortgage insurance payment.
Written with AI from the official summary by Congress's research office.
How South Carolina voted
No recorded roll-call vote on this bill yet.
Groups that lobbied on it and gave to SC's members
PAC, lobbyist campaign and qualifying employee money this election, shown separately and never added together. Lobbying reports name the bills a group worked on, not which side it took.
No lobbying reported yet. Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
Official record
Official title, sponsor and status
- Official title
- A bill to amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.
- Sponsor
- Sen. Moody, Ashley (R-FL)
- Introduced
- March 12, 2025
- Cosponsors
- 27
- Committees
- Senate Banking, Housing, and Urban Affairs Committee
- Latest action
- March 12, 2025 · Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Official summary from the Congressional Research Service
Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025 This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.
Summary on Congress.gov ↗Everyone who lobbied on this bill (0 groups)
No lobbying report we have loaded names this bill. That doesn't mean no lobbying took place.
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published. Reports for October through December 2026 are due January 20, 2027.