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HR 3733 112th Congress House

Affordable Mortgage for Homeowners Act of 2011

Official title: To reduce the interest rates on mortgages owned or guaranteed by Fannie Mae and Freddie Mac.

Introduced: December 19, 2011 See on congress.gov
Housing and Community Development Government corporations and government-sponsored enterprisesHousing finance and home ownershipInterest, dividends, interest rates
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 12, 2012
Referred to the Subcommittee on Capital Markets and Government Sponsored Enterprises.
Dec 19, 2011
Referred to the House Committee on Financial Services.
Dec 19, 2011
Sponsor introductory remarks on measure. (CR E2314)
Dec 19, 2011
Introduced in House
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 Latest action January 12, 2012

Referred to the Subcommittee on Capital Markets and Government Sponsored Enterprises.

 Plain-English summary Congressional Research Service

Affordable Mortgage for Homeowners Act of 2011 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) each to carry out a program to provide for the reduction of the interest rates on qualified mortgage mortgages (other than fixed-rate or adjustable-rate mortgages) on single-family housing owned or guaranteed by such enterprises, in accordance with policies and procedures that the Director of the Federal Housing Finance Agency (FHFA) shall establish.

Requires each program to provide a procedure for mortgagors to opt-out of an interest rate reduction.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 3733: Affordable Mortgage for Homeowners Act of 2011. 112th Congress. Open America. https://openamerica.io/bill/112-HR-3733/
MLA
"H.R. 3733: Affordable Mortgage for Homeowners Act of 2011." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-3733/.
Bluebook (legal)
H.R. 3733, 112th Cong. (2026), https://openamerica.io/bill/112-HR-3733/.
Markdown link
[H.R. 3733: Affordable Mortgage for Homeowners Act of 2011](https://openamerica.io/bill/112-HR-3733/)
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