# 119-hr-6328: Main Street Home Builders Act of 2025

119-hr-6328, Main Street Home Builders Act of 2025, is a 119th Congress bill sponsored by Rep. Vindman, Eugene Simon [D-VA-7] (D-VA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6328
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6328
- Congress: 119
- Title: Main Street Home Builders Act of 2025
- Status: introduced
- Introduced: 2025-11-28
- Sponsor: Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
- Cosponsors: 2
- Policy area: Commerce
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**SBA-backed lending for build-to-rent multifamily housing** would be launched through a temporary 505 Pilot Program to help small builders finance construction, renovation, expansion, and management of rental housing. The pilot creates a targeted loan program that changes some title V rules to speed projects that add housing supply. - Families and renters: Could see more rental units because projects that build or renovate must create at least one additional dwelling unit beyond what existed before. - Small builders and covered businesses: Small business concerns that construct and manage build-to-rent housing would become eligible for these loans and would not be treated as speculative or passive businesses for the pilot. - Lenders and program rules: Lenders would use title V loan procedures but must verify borrowers are end users with a proven track record and adequate assets. The pilot authority would end five years after enactment. *Would authorize up to $12.0 billion in SBA loan authority for the pilot across FY2026–FY2030, increasing federal lending exposure under title V.*

## Cosponsors (2)

- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2025-11-28T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2026-01-06T00:00:00.000Z

## Provisions PRIA read

- SBA pilot loans for small rental developers: benefit, high. If enacted, the SBA would run a five-year pilot for build-to-rent projects. Loans would go through State development companies to small firms that both build and manage rentals. Projects would follow current SBA loan processes but skip job-creation targets and some leasing limits. Lenders would hav…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-2086: Rights for the TSA Workforce Act
- 119-hr-7977: Energy Bills Relief Act

## Sources
- [119-hr-6328 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6328)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-2086: Rights for the TSA Workforce Act](https://policyrisk.com/legislation/119-hr-2086)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6328 (as of 2026-04-21).