# 119-hr-9514: Homeownership Eligibility Reform Act

119-hr-9514, Homeownership Eligibility Reform Act, is a 119th Congress bill sponsored by Rep. Gill, Brandon [R-TX-26] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-10-30).

- Canonical: https://policyrisk.com/legislation/119-hr-9514
- As of: 2026-10-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9514
- Congress: 119
- Title: Homeownership Eligibility Reform Act
- Status: introduced
- Introduced: 2026-06-29
- Sponsor: Rep. Gill, Brandon [R-TX-26] (R-TX)
- Cosponsors: 16
- Policy area: Immigration
- Touches household money: yes
- Last recorded action: 2026-10-30

## Summary

**Restricts federally backed mortgage support to United States citizens.** This bill limits FHA mortgage insurance and Fannie Mae and Freddie Mac purchases so that a mortgagor must be a United States citizen to qualify for those programs. - Non-citizen homebuyers: Non-citizens would be excluded from FHA-insured loans and from mortgages purchased by Fannie Mae and Freddie Mac for one- to four-family dwellings. This effectively removes two common federal channels of mortgage support for non-citizen borrowers. - Lenders and the secondary market: Fannie Mae and Freddie Mac are barred from buying conventional mortgages secured by one- to four-family properties when the mortgagor is not a U.S. citizen, which narrows the pool of loans those agencies can purchase. - Program operations: FHA, Fannie Mae, and Freddie Mac would need to verify mortgagor citizenship to apply eligibility rules. The text adds no new funding, enforcement procedures, or phase-in rules.

## Cosponsors (16)

- Rep. Biggs, Sheri [R-SC-3] (R-SC), 2026-10-26T00:00:00.000Z
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL), 2026-06-29T00:00:00.000Z
- Rep. Perry, Scott [R-PA-10] (R-PA), 2026-06-29T00:00:00.000Z
- Rep. Moore, Barry [R-AL-1] (R-AL), 2026-06-29T00:00:00.000Z
- Rep. Mace, Nancy [R-SC-1] (R-SC), 2026-06-29T00:00:00.000Z
- Rep. Cloud, Michael [R-TX-27] (R-TX), 2026-06-29T00:00:00.000Z
- Rep. Moore, Riley M. [R-WV-2] (R-WV), 2026-06-29T00:00:00.000Z
- Rep. Fuller, Clay [R-GA-14] (R-GA), 2026-06-29T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2026-06-29T00:00:00.000Z
- Rep. Jackson, Ronny [R-TX-13] (R-TX), 2026-06-29T00:00:00.000Z
- Rep. Fine, Randy [R-FL-6] (R-FL), 2026-06-29T00:00:00.000Z
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA), 2026-06-29T00:00:00.000Z
- Rep. Crane, Elijah [R-AZ-2] (R-AZ), 2026-06-29T00:00:00.000Z
- Rep. Harshbarger, Diana [R-TN-1] (R-TN), 2026-06-30T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2026-06-30T00:00:00.000Z
- Rep. Rulli, Michael A. [R-OH-6] (R-OH), 2026-07-14T00:00:00.000Z

## Provisions PRIA read

- Fewer mortgage options for noncitizens: cost, high. If enacted, this bill would bar non-citizens from two major federal mortgage supports. FHA mortgage insurance would be limited to loans executed by U.S. citizens. Fannie Mae and Freddie Mac would be prohibited from buying conventional mortgages on one- to four-family homes when the mortgagor is not…

## Related bills

- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-925: Dismantle DEI Act of 2025
- 119-hr-404: Hearing Protection Act
- 119-hr-45: FIND Act
- 119-hr-7296: SAVE America Act

## Sources
- [119-hr-9514 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9514)

## Related
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-925: Dismantle DEI Act of 2025](https://policyrisk.com/legislation/119-hr-925)
- [119-hr-404: Hearing Protection Act](https://policyrisk.com/legislation/119-hr-404)
- [119-hr-45: FIND Act](https://policyrisk.com/legislation/119-hr-45)
- [119-hr-7296: SAVE America Act](https://policyrisk.com/legislation/119-hr-7296)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9514 (as of 2026-10-30).