CONGRESS FOR VOTERS

DemocratBill · H.R. 4680· House(119-HR-4680)

Access to Homeownership Act

Rep. Johnson
Age: 60 years
Texas
Introduced
7/23/2025
Last activity
7/23/2025 — Referred to the House Committee on Financial Services.
Sponsored by
Julie Johnson
Cosponsors
Democrat - 6Republican - 0
Finance and Financial Sector
  1. Introduced
  2. In Committee

What this bill would do

The Access to Homeownership Act requires the establishment of a program where multifamily borrowers with federally backed mortgage loans can report positive rental payments. Under this bill, these borrowers would request consent from residents to report up to 24 months of prior positive rent payments to specific consumer reporting agencies. These reported payments are intended to be considered during mortgage insurance applications. The enterprises would be responsible for covering all administrative costs related to this reporting. Additionally, the Director is required to submit a report to Congress every five years regarding these programs.

Yes· 3 of 6

  • Would households on low incomes be better off under this?+5

    The bill helps low-income renters demonstrate creditworthiness using their rental history to qualify for mortgages.

  • Does this make housing cost less?+5

    The bill facilitates homeownership by allowing rental history to count toward mortgage insurance applications.

  • Would people in their twenties and thirties be better off under this?+4

    Young adults building credit through rent payments will benefit from the ability to use those payments for mortgage applications.

The opposite

No question was scored the opposite.