SUPPORT LOCAL FIRST RESPONDERS 

How the HELPER Act Benefits Firefighters

Add your voice to support the Homes for Every Local Protector, Educator, and Responder Act! This bill aims to help local firefighters buy homes in the communities they educate and serve.

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 How Does the HELPER Act Benefit   Firefighters? 

Many firefighters can't afford to live in the communities where they work. They put their lives on the line daily but aren't able to lay their heads down in a home they own after a shift.

The HELPER Act will support the firefighters serving in our communities by giving them the ability to afford a home in those communities. By offering affordable mortgage possibilities along with no down payment or monthly mortgage insurance, the HELPER Act is a true bipartisan effort to enrich the lives of our local heroes.

No Down Payment

100% FINANCING

How No Down Payment Helps Home Buyers 


No Monthly Mortgage Insurance

ONE-TIME PREMIUM

What Is Monthly Mortgage Insurance? 


No Geographic Restrictions
FHA PRICE LIMITS APPLY

What Are the FHA Price Limits? 


Seller Assist Up To 6%
SELLERS CAN PAY UP TO 6% 

What Is Seller Assist? 

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Why the HELPER Act Is Important for Firefighters 

One of the biggest factors in buying or refinancing a home is money coming in versus what will be spent. The unfortunate reality is that most firefighters aren’t making the money necessary to pay for a home in the current market.

As of 2022, the median home price in the United States is over $400,000. The median salary for an experienced firefighter is $52,000. For the men and women putting their lives on the line to keep us safe in our homes, the numbers don’t add up.

With interest rates fluctuating and sale prices rising, the real estate market is competitive and many people, including firefighters, are getting left behind. That’s why the HELPER Act is so important.

Additional Qualifying Occupations?

333K

FIREFIGHTERS ACROSS THE U.S.

Source: Data USA 


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"The HELPER Act is a long overdue relief package that firefighters are beyond deserving of. The average salary for these professionals isn't astronomical so it's important to make housing more obtainable so they can concentrate on protecting our local communities."

 

-Steve Conti
Veteran Firefighter


 Take Action! 

The list of people and organizations who believe in the HELPER Act is growing every day.

If you believe in the bipartisan cause of providing safe and affordable homes for our firefighters, please get involved!



SEND A LETTER OF SUPPORT FROM YOUR  ORGANIZATION

Find Your Local Representative and Use This Template


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See your mortgage options!

If you are a firefighter looking to buy a home or refinance, take a few minutes to discuss your options with the Mortgage Experts at Churchill Mortgage.

*While the HELPER ACT program is not available at this time, there are many home loan options to help Teachers. Simply reach out to a loan officer to discuss what options are available in your area.