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H.R. 892 119th Congress House

Mortgage Rate Reduction Act

Official title: To require the heads of certain agencies to disclose information about loans insured and guaranteed by such agencies, and for other purposes.

Introduced: January 31, 2025 Introduced by: Patrick Ryan Democratic · New York See on congress.gov
Finance and Financial Sector
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 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 5, 2025
Referred to the Subcommittee on Economic Opportunity.
Jan 31, 2025
Introduced in House
Jan 31, 2025
Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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What's happening now March 5, 2025

Referred to the Subcommittee on Economic Opportunity.

 Plain-English summary Congressional Research Service

Mortgage Rate Reduction Act

This bill authorizes the federal guarantee, or insurance, of certain second mortgages. Specifically, this applies to properties with a first mortgage guaranteed by the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). For a second mortgage to qualify, the first mortgage on the property must be guaranteed under the same authority.

The bill also requires the publication of mortgage guarantee information by the FHA, VA, and Department of Agriculture. For each mortgage guaranteed, these agencies must publish the address of the property and the date of the loan.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Lobbying activity 1

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

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APA
U.S. Congress. (2026). H.R. 892: Mortgage Rate Reduction Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-892/
MLA
"H.R. 892: Mortgage Rate Reduction Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-892/.
Bluebook (legal)
H.R. 892, 119th Cong. (2026), https://openamerica.io/bill/119-HR-892/.
Markdown link
[H.R. 892: Mortgage Rate Reduction Act](https://openamerica.io/bill/119-HR-892/)
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