{"bill":{"id":"119-hr-2094","congress":119,"type":"HR","number":2094,"title":"HELPER Act of 2025","originChamber":"House","introducedDate":"2025-03-14","sponsors":[{"bioguideId":"R000609","fullName":"Rep. Rutherford, John H. [R-FL-5]","party":"R","state":"FL","district":5}],"cosponsorsCount":123,"latestAction":{"actionDate":"2025-03-14","text":"Referred to the House Committee on Financial Services."},"policyArea":"Finance and Financial Sector","subjects":[],"actions":[{"date":"2025-03-14","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2025-03-14","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2025-03-14","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025</strong></p><p>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.</p>","updateDate":"2026-04-15T08:05:53Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":300,"ts":"2026-04-19T08:25:08.619Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=HELPER%20Act%20of%202025"}]}}