Homeownership Eligibility Reform Act
Sponsored By: Representative Gill, Brandon [R-TX-26]
Introduced
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.
Show full summary
- 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.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 1 costs, 0 mixed.
Fewer mortgage options for noncitizens
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 a U.S. citizen. The change would take effect upon enactment, would require lenders and agencies to verify mortgagor citizenship for these channels, and would make mortgage financing harder or more expensive for affected non-citizen borrowers.
Sponsors & CoSponsors
Sponsor
Gill, Brandon [R-TX-26]
TX • R
Cosponsors
Rep. Bilirakis, Gus M. [R-FL-12]
FL • R
Sponsored 6/29/2026
Rep. Perry, Scott [R-PA-10]
PA • R
Sponsored 6/29/2026
Rep. Moore, Barry [R-AL-1]
AL • R
Sponsored 6/29/2026
Rep. Mace, Nancy [R-SC-1]
SC • R
Sponsored 6/29/2026
Rep. Cloud, Michael [R-TX-27]
TX • R
Sponsored 6/29/2026
Rep. Moore, Riley M. [R-WV-2]
WV • R
Sponsored 6/29/2026
Rep. Fuller, Clay [R-GA-14]
GA • R
Sponsored 6/29/2026
Rep. Gosar, Paul A. [R-AZ-9]
AZ • R
Sponsored 6/29/2026
Rep. Jackson, Ronny [R-TX-13]
TX • R
Sponsored 6/29/2026
Rep. Fine, Randy [R-FL-6]
FL • R
Sponsored 6/29/2026
Rep. Clyde, Andrew S. [R-GA-9]
GA • R
Sponsored 6/29/2026
Crane
AZ • R
Sponsored 6/29/2026
Rep. Harshbarger, Diana [R-TN-1]
TN • R
Sponsored 6/30/2026
Rep. Grothman, Glenn [R-WI-6]
WI • R
Sponsored 6/30/2026
Rep. Rulli, Michael A. [R-OH-6]
OH • R
Sponsored 7/14/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov