Bill · H.R. 9514· House(119-HR-9514)

Homeownership Eligibility Reform Act

Age: 32 years

Texas

Introduced: 6/29/2026
Last activity: 6/29/2026 — Referred to the House Committee on Financial Services.
Sponsored by: Brandon Gill
Cosponsors: - 15 - 0

Immigration

Introduced
In Committee

What this bill would do

This bill, known as the "Homeownership Eligibility Reform Act," aims to change who can get certain types of mortgages. It proposes to restrict mortgage insurance provided by the Federal Housing Administration so that it can only be used by people who are citizens of the United States. Additionally, it would prevent Fannie Mae and Freddie Mac from purchasing or securitizing conventional mortgages for one- to four-family dwellings if the borrower is not a U.S. citizen.

Yes

Would white Americans be better off under this?+2
The bill prioritizes mortgage access for U.S. citizens, a demographic that holds a larger share of existing homeownership.
Does this tighten control of the border?+2
The bill implements domestic financial restrictions that align with more restrictive immigration-focused policies.

The opposite· 3 of 7

Would immigrants be better off under this?-7
The bill explicitly bars non-citizens from accessing essential mortgage insurance and secondary market mortgage support.
Would Hispanic Americans be better off under this?-5
The restriction on mortgage eligibility disproportionately affects Hispanic communities which have higher rates of non-citizen residents.
Does this narrow racial gaps in how people are treated?-5
The bill restricts access to mortgage insurance and secondary market support for non-citizens, which can disproportionately impact minority communities with higher non-citizen populations.