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H.R. 736 113th Congress House

Responsible Homeowner Refinancing Act of 2013

Official title: To provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

Introduced: May 16, 2013 Introduced by: Peter Welch Democratic · Vermont See on congress.gov
Housing and Community Development Government corporations and government-sponsored enterprisesGovernment lending and loan guaranteesHousing finance and home ownershipHousing supply and affordabilityUser charges and fees
This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Feb 14, 2013
Referred to the House Committee on Financial Services.
Feb 14, 2013
Introduced in House
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 Latest action February 14, 2013

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Responsible Homeowner Refinancing Act of 2013 - Requires the Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises or GSEs), in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.

Requires the GSEs to notify all borrowers with a mortgage owned or guaranteed by a GSE about the Program and its eligibility criteria, and inform borrowers of the website required below.

Directs the Director of the Federal Housing Finance Agency (FHFA) to establish a single website where borrowers may: (1) determine their potential eligibility for participation in the Program, (2) see a complete list of and links to qualified lenders, (3) use a mortgage refinance calculator to calculate potential payment savings based on different interest rates, and (4) obtain tips on refinancing their loan.

Directs the Director of FHFA to issue guidance to require the GSEs to make their refinancing guidelines consistent to ease the compliance requirements of qualified lenders, and in particular with respect to loans with less than 80% loan-to-value ratio and closing cost policies of the GSEs, which regulations or guidance shall be put into effect not later than 90 days after the enactment of this Acts.

 Related & companion bills 1
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 736: Responsible Homeowner Refinancing Act of 2013. 113th Congress. Open America. https://openamerica.io/bill/113-HR-736/
MLA
"H.R. 736: Responsible Homeowner Refinancing Act of 2013." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-736/.
Bluebook (legal)
H.R. 736, 113th Cong. (2026), https://openamerica.io/bill/113-HR-736/.
Markdown link
[H.R. 736: Responsible Homeowner Refinancing Act of 2013](https://openamerica.io/bill/113-HR-736/)
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