Congressman Tim Ryan Cosponsors Bill to Help First Responders & Teachers Afford New Homes | Congressman Tim Ryan
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Congressman Tim Ryan Cosponsors Bill to Help First Responders & Teachers Afford New Homes

July 7, 2021
Press Release
The Homes for Every Local Protector, Educator, and Responder Act Mirrors a VA Home Loan Program Which Backed 1.2 Million Loans For US Veterans in 2020 Alone

Washington, DC – Congressman Tim Ryan (OH-13) today announces his support for and co-sponsorship of the Homes for Every Local Protector, Educator, and Responder (HELPER) Act, which will establish a new home loan program for first responders and educators to affordably purchase a home. 

The HELPER Act, administered by the Federal Housing Administration (FHA), will create a one-time use home loan program under the FHA for law enforcement officers, firefighters, Emergency Medical Technicians (EMT), paramedics, and pre-K-12 teachers. It will eliminate a down payment requirement and a monthly mortgage insurance premium requirement to help ensure those who have faithfully served our communities can purchase a home.

“Our first responders and teachers have demonstrated their unwavering commitment to Ohio through the COVID-19 pandemic and beyond. It’s our turn to express our gratitude by giving them the support they need to buy a home right here in the communities they serve. The HELPER Act will ensure that, even in today’s competitive housing market, the first responders and teachers who faithfully serve and protect us can continue to do the jobs they love in the communities they love,” said Congressman Ryan.

Many of our nation’s first responders and educators face financial obstacles when buying a home in today’s competitive housing market, and as a result, are often unable to achieve homeownership in the same communities they serve. The HELPER Act was modeled after the successful VA Home Loan Program that offers home loan benefits to our nation’s service members, and backed a record 1.2 million loans in fiscal year 2020. Just as the VA Home Loan Program, the HELPER Act will remove some of the financial obstacles when buying a house, like a large down payment. 

There are many national and state organizations supporting the HELPER Act, including the Fraternal Order of Police, the International Brotherhood of Police Officers, the National Association of REALTORS, and the Ohio Association of Chiefs of Police.

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