A Republican bill with 16 Republican cosponsors · See all 16 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, known as the "Homeownership Eligibility Reform Act," aims to change who can get certain types of mortgages. It proposes to restrict mortgage insurance provided by the Federal Housing Administration so that it can only be used by people who are citizens of the United States. Additionally, it would prevent Fannie Mae and Freddie Mac from purchasing or securitizing conventional mortgages for one- to four-family dwellings if the borrower is not a U.S. citizen.
Yes
- Scored +2
Would white Americans be better off under this?
The bill prioritizes mortgage access for U.S. citizens, a demographic that holds a larger share of existing homeownership.
- Scored +2
Does this tighten control of the border?
The bill implements domestic financial restrictions that align with more restrictive immigration-focused policies.
The opposite· 3 of 7
- Scored -7
Would immigrants be better off under this?
The bill explicitly bars non-citizens from accessing essential mortgage insurance and secondary market mortgage support.
- Scored -5
Would Hispanic Americans be better off under this?
The restriction on mortgage eligibility disproportionately affects Hispanic communities which have higher rates of non-citizen residents.
- Scored -5
Does this narrow racial gaps in how people are treated?
The bill restricts access to mortgage insurance and secondary market support for non-citizens, which can disproportionately impact minority communities with higher non-citizen populations.
Who it would affect, and how
Potential Positive Impacts for People
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Restricting FHA Mortgage Insurance: The bill amends Section 203(b)(8) of the National Housing Act to ensure that mortgage insurance is only executed by a mortgagor who is a citizen of the United States (Section 2).
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Fannie Mae Purchase Restrictions: The bill amends Section 302 of the Federal National Mortgage Association Charter Act so that no purchase of a conventional mortgage for a one- to four-family dwelling unit can be made if the mortgagor is not a citizen of the United States (Section 3(a)).
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Freddie Mac Purchase Restrictions: The bill amends Section 305 of the Federal Home Loan Mortgage Corporation Act to prohibit the purchase of conventional mortgages for one- to four-family dwelling units where the mortgagor is not a U.S. citizen (Section 3(b)).
Potential Negative Impacts for People
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Restrictions on Fannie Mae: Under Section 3(a), individuals who are not citizens of the United States would be unable to have their conventional mortgages for one- to four-family dwelling units purchased by Fannie Mae.
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Restrictions on Freddie Mac: Under Section 3(b), individuals who are not citizens of the United States would be unable to have their conventional mortgages for one- to four-family dwelling units purchased by Freddie Mac.
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Changes to FHA Insurance: According to Section 2, the ability to obtain mortgage insurance through the Federal Housing Administration would be limited strictly to those who are citizens of the United States.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would white Americans be better off under this? — The bill prioritizes mortgage access for U.S. citizens, a demographic that holds a larger share of existing homeownership. Would immigrants be better off under this? — The bill explicitly bars non-citizens from accessing essential mortgage insurance and secondary market mortgage support. Would Hispanic Americans be better off under this? — The restriction on mortgage eligibility disproportionately affects Hispanic communities which have higher rates of non-citizen residents. Would households on low incomes be better off under this? — Non-citizen households often include low-income families who are now excluded from FHA-backed mortgage opportunities.
- Social Issues And Justice
- Does this tighten control of the border? — The bill implements domestic financial restrictions that align with more restrictive immigration-focused policies. Does this narrow racial gaps in how people are treated? — The bill restricts access to mortgage insurance and secondary market support for non-citizens, which can disproportionately impact minority communities with higher non-citizen populations. Does this make housing cost less? — By excluding non-citizens from FHA insurance and Fannie Mae/Freddie Mac mortgage purchases, the bill reduces the available pool of mortgage-backed financing for housing. Does this make it easier for immigrants already here to become citizens? — The bill creates financial barriers for non-citizens, which may decrease the incentive for legal status through property ownership. Is this likely to lift people out of poverty? — Limiting homeownership pathways for non-citizens can hinder wealth accumulation for these households.
- 10/26/2026
- 1 Cosponsor added.
- 7/14/2026
- 1 Cosponsor added.
- 6/30/2026
- 2 Cosponsors added.
- 6/29/2026
- Referred to the House Committee on Financial Services.
- 12 Cosponsors added.
- Introduced in House
Gus BilirakisRepublican · Florida
Sheri BiggsRepublican · South Carolina
Michael CloudRepublican · Texas
Andrew ClydeRepublican · Georgia
Elijah CraneRepublican · Arizona
Randy FineRepublican · Florida
Clay FullerRepublican · Georgia
Paul GosarRepublican · Arizona
Glenn GrothmanRepublican · Wisconsin
Diana HarshbargerRepublican · Tennessee
Ronny JacksonRepublican · Texas
Nancy MaceRepublican · South Carolina
Barry MooreRepublican · Alabama
Riley MooreRepublican · West Virginia
Scott PerryRepublican · Pennsylvania
Michael RulliRepublican · Ohio