HELPER Plus Act
The source supplies the latest action, but no lifecycle stage.
Latest action (21 Sep 2026): Referred to the House Committee on Financial Services.
What this bill does
The HELPER Plus Act, introduced in the House of Representatives, would create a new mortgage insurance program within the National Housing Act. This program aims to assist certain individuals in purchasing or repairing a home that will serve as their principal residence. It would allow for mortgages to be insured for up to 100% of the property's appraised value, meaning no down payment would be required.
This program would affect specific professions, including first responders, 911 call center operators and dispatchers, child care workers, and correctional officers or prison guards. To qualify, individuals must be first-time homebuyers, complete housing counseling, and meet employment and standing requirements related to their profession. The bill also authorizes appropriations for the program for several fiscal years and sets an expiration date for new mortgage commitments.
H.R. 10524 was introduced on September 21, 2026, and has been referred to the House Committee on Financial Services. As this is its initial stage, the bill will first need to be considered and potentially amended by this committee before it could move to other stages in the legislative process.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Timeline
21 Sep 2026
Referred to the House Committee on Financial Services.
Common questions
- What does H.R. 10524 do?
- The HELPER Plus Act, introduced in the House of Representatives, would create a new mortgage insurance program within the National Housing Act. This program aims to assist certain individuals in purchasing or repairing a home that will serve as their principal residence. It would allow for mortgages to be insured for up to 100% of the property's appraised value, meaning no down payment would be required. This program would affect specific professions, including first responders, 911 call center operators and dispatchers, child care workers, and correctional officers or prison guards. To qualify, individuals must be first-time homebuyers, complete housing counseling, and meet employment and standing requirements related to their profession. The bill also authorizes appropriations for the program for several fiscal years and sets an expiration date for new mortgage commitments. H.R. 10524 was introduced on September 21, 2026, and has been referred to the House Committee on Financial Services. As this is its initial stage, the bill will first need to be considered and potentially amended by this committee before it could move to other stages in the legislative process.
- Has H.R. 10524 become law?
- The source does not supply a confirmed lifecycle stage for H.R. 10524. Check the latest action and official source below.
- Who sponsored H.R. 10524?
- H.R. 10524 was sponsored by Rep. Mackenzie, Ryan [R-PA-7] (R-PA), with 0 cosponsors.
- What's the latest action on H.R. 10524?
- Referred to the House Committee on Financial Services. (21 Sep 2026).
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