# 119-hr-6511: Affordable Homeownership Access Act

119-hr-6511, Affordable Homeownership Access Act, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6511
- 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-6511
- Congress: 119
- Title: Affordable Homeownership Access Act
- Status: introduced
- Introduced: 2025-12-09
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Easier access to owner-financed home purchases** would make it simpler for small sellers to finance buyers without some federal mortgage rules. The bill would carve out licensing and mortgage-originator tests for small owner-financers and require HUD and the Treasury to study owner-financing practices. - Families and buyers: Would expand pathways for buyers who lack traditional bank loans to purchase homes through seller financing and could support home values, neighborhood stabilization, and family wealth creation. - Small seller‑financers: Would exempt qualifying small owners from the SAFE Mortgage Licensing Act and from the Truth in Lending Act mortgage-originator definition when they meet conditions such as a cap of 24 properties financed in a 12‑month period, ownership of each property, and limits on amortization, payment ability, and interest terms. A parallel exemption would apply to manufactured‑home financing. - HUD and Treasury: Would require a targeted study and report to quantify the scale, viability, and potential benefits of owner financing to inform future policy.

## Cosponsors (4)

- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-12-09T00:00:00.000Z
- Rep. Alford, Mark [R-MO-4] (R-MO), 2026-01-21T00:00:00.000Z
- Rep. Webster, Daniel [R-FL-11] (R-FL), 2026-02-10T00:00:00.000Z
- Rep. Houchin, Erin [R-IN-9] (R-IN), 2026-02-10T00:00:00.000Z

## Provisions PRIA read

- Easier owner-financing rules for sellers: benefit, low. If enacted, the bill would exempt small sellers who finance home sales from some federal mortgage licensing rules. You would qualify if you make 24 or fewer owner-financed loans in a 12-month period and are not a bank. Each loan must be secured by property you own and be fully amortizing. For the T…

## Related bills

- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-8870: BUILD America 250 Act
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-5267: American Franchise Act
- 119-hconres-12: Supporting the Local Radio Freedom Act.

## Sources
- [119-hr-6511 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6511)

## Related
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-8870: BUILD America 250 Act](https://policyrisk.com/legislation/119-hr-8870)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-5267: American Franchise Act](https://policyrisk.com/legislation/119-hr-5267)
- [119-hconres-12: Supporting the Local Radio Freedom Act.](https://policyrisk.com/legislation/119-hconres-12)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6511 (as of 2026-04-21).