SUPPORTING AMERICAN EDUCATORS 

How the HELPER Act Benefits Teachers

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

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 How Does the HELPER Act Benefit Teachers? 

It's safe to say educators are some of the hardest working people in the U.S. The men and women working in our school systems not only treat children as their own, but prepare them for the future.

Working long hours on small budgets adds up for teachers which makes the HELPER Act vital to help support the men and women teaching 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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 Which Teachers Qualify? 

The HELPER Act will offer affordable mortgage solutions to pre-k through 12th-grade educators who have been working in their profession for a minimum of four years and are first-time home buyers.

Who Qualifies for HELPER Act Benefits?

  • Pre-Kindergarten Teachers
  • K-12 Teachers & Educators
  • K-12 Special Education Teachers 

Which Educators Do NOT Qualify

  • College Professors
  • Post-Graduate Educators
  • Teacher's Assistants

Additional Qualifying Occupations 


 

3M

ELEMENTARY & MIDDLE SCHOOL TEACHERS 

Source: Data USA 


1.3M

SECONDARY TEACHERS & EDUCATORS

Source: Data USA 


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"Like many others, when I made the decision to become a teacher, I didn’t do it for the money. The rewards teachers receive far exceed that of a monetary value; however, the discrepancy between teachers’ earnings and the cost of living often prevents some teachers from purchasing homes within the communities where they pour their hearts.

Many want to live where they teach, yet they cannot afford to do so. Having legislation like the Helper Act would empower all educators to be able to make the choice to live where they’d like to live."

-Mrs. Melinda Shingler, M.A., English
English Teacher in Loudoun County High School, VA

 Take Action! 

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

If you believe in the bipartisan cause of providing safe and affordable homes for our police officers, firefighters, educators, and EMTs, 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 teacher 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.