HR9514Referred to Committee

Homeownership Eligibility Reform Act

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-06-29
Introduced
15
Cosponsors
HR
ⓘ
Type

Sponsor

Brandon Gill
Brandon Gill
Republican · TX · Representative
Votes with party: 91.2% (639 recorded votes)

Full profile: /officials/G000603

Source: Congress.gov · FEC

Cosponsors (15)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Referred to the House Committee on Financial Services.

2026-06-29

Source: Congress.gov

Committee Activity

Currently in

Plain-English Summary

This bill would limit who can get mortgages backed by federal programs like FHA insurance, Fannie Mae, and Freddie Mac by requiring borrowers to be U.S. citizens. Currently, some non-citizens with legal status can qualify for these government-supported mortgages, but this change would restrict that access to citizens only. The bill would affect both individual homebuyers seeking mortgages and the mortgage companies that sell loans to these federal agencies.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Immigration

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 9514 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 9514 To restrict the eligibility of mortgagors to citizens of the United States with respect to mortgage insurance provided by the Federal Housing Administration and the purchase and securitization of mortgages by Fannie Mae and Freddie Mac. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES June 29, 2026 Mr. Gill of Texas (for himself, Mr. Bilirakis, Mr. Perry, Mr. Moore of Alabama, Ms. Mace, Mr. Cloud, Mr. Moore of West Virginia, Mr. Fuller, Mr. Gosar, Mr. Jackson of Texas, Mr. Fine, Mr. Clyde, and Mr. Crane) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To restrict the eligibility of mortgagors to citizens of the United States with respect to mortgage insurance provided by the Federal Housing Administration and the purchase and securitization of mortgages by Fannie Mae and Freddie Mac. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Homeownership Eligibility Reform Act''. SEC. 2. ELIGIBILITY OF MORTGAGORS FOR FHA MORTGAGE INSURANCE. Section 203(b)(8) of the National Housing Act (12 U.S.C. 1709(b)(8)) is amended to read as follows: ``(8) Is executed by a mortgagor who is a citizen of the United States.''. SEC. 3. ELIGIBILITY OF MORTGAGORS WITH RESPECT TO PURCHASE AND SECURITIZATION BY FANNIE MAE AND FREDDIE MAC. (a) Requirement for Fannie Mae.--Section 302 of the Federal National Mortgage Association Charter Act (12 U.S.C. 1717) is amended in subsection (b)(2), by inserting after the second sentence the following: ``No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.''. (b) Requirement for Freddie Mac.--Section 305 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454) is amended in subsection (a)(2) by inserting after the first sentence the following: ``No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.''. <all>
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