This bill would limit eligibility for FHA mortgage insurance and for the purchase or securitization of mortgages by Fannie Mae and Freddie Mac to U.S. citizens. In practice, it would make federally backed mortgage support unavailable to noncitizen borrowers, even if they otherwise qualify for a home loan. The measure would affect immigrants and mixed-status households most directly, while also changing which loans lenders can package into the secondary mortgage market. Because FHA, Fannie Mae, and Freddie Mac are central to mainstream home financing, the bill would reshape access to mortgage credit for a defined group of borrowers.
What This Bill Does
- Limits FHA mortgage insurance to U.S. citizens.
- Restricts Fannie Mae and Freddie Mac mortgage purchases and securitization to U.S. citizens.
- Affects who can use federal housing-finance support to buy a home.
- Would matter most for noncitizen borrowers and lenders that originate their loans.
Who This Bill Affects
If you are a U.S. citizen, this bill would not directly change your eligibility for FHA-backed mortgages or for loans that Fannie Mae and Freddie Mac purchase or securitize. If you are a noncitizen homebuyer or part of a mixed-status household, it could block access to some of the most widely used federal mortgage channels, which may mean higher down payments, tighter underwriting, or fewer loan options. Lenders that serve immigrant communities could also see a smaller pool of eligible borrowers for these programs.
See how this bill affects you — sign in for a personalized analysisWho Supports & Opposes This
- Taxpayer-focused housing policy advocates They may argue federal housing-finance benefits should be reserved for citizens because the programs are backed by the public and should prioritize eligibility rules tied to citizenship. Supporters may also say a clear citizenship requirement is easier to administer and enforce.
- Some homeownership advocates concerned about program scope They may contend that limiting access could keep scarce federal housing support focused on citizens who already pay into the system through taxes and civic participation. They may also believe it reduces political pressure to expand subsidized credit eligibility over time.
- Immigration-restriction advocates They may see the bill as a way to align federal benefits with citizenship status and to make access to government-supported mortgage products more restrictive. For them, the citizenship test is a straightforward eligibility standard.
- Immigrant and civil rights advocates They are likely to argue that many noncitizen residents are stable, taxpaying household members who should not be excluded from mainstream mortgage programs if they otherwise meet credit and income standards. They may also say the rule would punish families with mixed immigration status.
- Mortgage lenders serving diverse borrowers They may oppose the bill because it could shrink the number of eligible applicants and complicate loan origination in communities with many lawful noncitizen buyers. That could reduce lending volume and limit market access for creditworthy customers.
- Housing affordability advocates They may argue the change would make homeownership harder for a slice of buyers already facing high down payments and tight underwriting. In their view, reducing access to FHA and GSE channels could push some borrowers into costlier private financing.
Key Implications
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““restrict the eligibility of mortgagors to citizens of the United States””
This would create a citizenship-only gate for the federal housing-finance programs named in the bill, excluding noncitizen borrowers from those channels even if they qualify under other lending standards.
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““mortgage insurance provided by the Federal Housing Administration””
FHA insurance is often used for lower down payments and more flexible underwriting. Limiting it to citizens would remove that option for noncitizens and could make loans harder to obtain or more expensive.
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““purchase and securitization of mortgages by Fannie Mae and Freddie Mac””
Fannie Mae and Freddie Mac are major buyers of mortgages from lenders. If citizenship becomes a condition for their involvement, some lenders may have fewer ways to fund loans to noncitizen borrowers.
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““with respect to” federal housing-finance programs”
The restriction is tied to specific federal mortgage channels rather than all home loans. The real-world effect would be concentrated in the mainstream conforming and FHA-backed market, not every private mortgage.
Official Source & Bill Facts
BillBoard checks this page against public Congress.gov metadata, then adds plain-English analysis where available.
- Bill
- HR 9514
- Congress
- 119th Congress
- Official title
- To restrict the eligibility of mortgagors to citizens of the United States with respect to mortgage insurance provided by the Federal Housing Administration and the purchase and securitization of mortgages by Fannie Mae and Freddie Mac.
- Policy area
- Housing & Infrastructure
- Latest action
- Referred to the House Committee on Financial Services. (June 29, 2026)
- Last updated
- June 30, 2026
Latest Status
June 29, 2026
Referred to the House Committee on Financial Services.
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Ask AI about this billData sourced from api.congress.gov.