S. 978 119th Congress Senate

HELPER Act of 2025

Official title: A bill to amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.

Introduced: March 12, 2025 Introduced by: Ashley Moody Republican · Florida See on congress.gov

Finance and Financial Sector

Everywhere this bill has been 2 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Mar 12, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Mar 12, 2025

Introduced in Senate

Votes taken on this bill 1

Date	Chamber	What was voted on	Result	Yes–No
May 11, 1994	Senate · vote #108	On Passage of the Bill S. 978	Passed	85–14	See who voted →

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What's happening now March 12, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Plain-English summary 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.

Related & companion bills 1

Bill text 1 version

Introduced in Senate Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Banking, Housing, and Urban Affairs Committee
Senate

Lobbying activity 52

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

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS
for INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
STEPTOE LLP
for PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA · California · 3rd Quarter 2026 (July 1 - Sep 30)
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
for AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
NATIONAL FRATERNAL ORDER OF POLICE
for NATIONAL FRATERNAL ORDER OF POLICE · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
NATIONAL FRATERNAL ORDER OF POLICE
for NATIONAL FRATERNAL ORDER OF POLICE · District of Columbia · 1st Quarter 2026 (Jan 1 - Mar 31)
NATIONAL FRATERNAL ORDER OF POLICE
for NATIONAL FRATERNAL ORDER OF POLICE · District of Columbia · 4th Quarter 2025 (Oct 1 - Dec 31)

Bodies those filers lobbied

SENATE
51 filings
HOUSE OF REPRESENTATIVES
49 filings
Justice, Dept of (DOJ)
35 filings
Homeland Security, Dept of (DHS)
30 filings
Labor, Dept of (DOL)
24 filings
White House Office
22 filings
Housing & Urban Development, Dept of (HUD)
15 filings
Defense, Dept of (DOD)
14 filings

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 52 filings →

Cosponsors 27