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Introducing H.R. 3172 & S. 2981

Homes for every local Protector, Educator, and Responder

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Heroes First Home Loans specializes in providing affordable mortgage financing for law enforcement, firefighters, EMS and many other civil servants and local heroes.

Over the last few years, we've partnered with lawmakers to help promote and draft the Homes for Every Local Protector, Educator, and Responder (HELPER) Act.

Read Full Bill on Congress.gov
I believe that American first responders deserve the same access to affordable housing benefits that I have as a veteran. I was inspired to do something to acknowledge their sacrifices for the greater good of the country.
Samuel P. Royer National Director,
Heroes First Home Loans

Who Is The HELPER Act For?

Law Enforcement | Firefighters | EMS | Educators

The HELPER Act stands for "Homes for every local Protector, Educator, and Responder." This bill aims to provide our local law enforcement, fire-fighters, EMS, and K-12 Educators more affordable mortgage financing.

What Benefits Does The HELPER Act Provide?

HUD / FHA Program
100% Financing
No Monthly Mortgage Insurance
One Time Premium - 3.6%
No geographic restrictions
FHA price limits apply
6% maximum seller assist

National Endorsements

  • American Association of State Troopers
  • Association of American Educators
  • Association of Federal Narcotics Agents
  • Association of National Park Rangers
  • Federal Law Enforcement Officers Association
  • Fraternal Order of Police
  • International Association of Chiefs of Police

  • International Association of EMTs and Paramedics
  • International Association of Fire Fighters
  • International Brotherhood of Police Officers
  • Major Cities Chiefs Association
  • Major County Sheriffs of America
  • National Association of Hispanic Firefighters
  • National Association of REALTORS®
  • National Border Control Council
  • National Education Association
  • National Sheriffs' Association
  • National Treasury Employees Union
  • National Trooper Coalition
  • Small & Rural Law Enforcement Executives Association
  • United States Deputy Warden's Association

State Endorsements

  • Alabama Corrections Officers Association
  • Professional Fire Fighters of Alabama
  • Arkansas Association of Chiefs of Police
  • Arkansas Association of Correctional Employees Trust
  • City of Pine Bluff, AR
  • City of Avondale, AZ
  • California Police Chiefs Association 
  • California State Firefighters' Association
  • Peace Officers Research Association of California
  • City of Hemet, CA
  • County Sheriffs of Colorado
  • Denver Police Protective Association 
  • Emergency Medical Services Association of Colorado
  • City of Boulder, CO
  • City of Denver, CO
  • City of Loveland, CO
  • City of Pueblo, CO
  • Capitol Police Labor Committee
  • District of Columbia Firefighters Association
  • DC FOP Lodge #1
  • Correction Officers Association of Delaware
  • Florida Deputy Sheriffs Association
  • Florida Police Benevolent Association
  • Florida Police Chiefs Association
  • Florida Sheriffs Association
  • Florida EMS Association
  • Deland Police Department
  • Lee County Sheriff
  • Levy County Sheriff
  • Georgia Association of Chiefs of Police
  • City of Johns Creek, GA
  • Iowa Police Chiefs Association
  • Polk County, Iowa Fire Chiefs Association
  • Illinois Correctional Association
  • Indiana Sheriffs' Association
  • Indiana State Police Alliance
  • Bartholomew County Sheriff
  • City of Wichita, KS
  • Kentucky Association of Chiefs of Police
  • Kentucky State Police Professional Association
  • Kenner, LA Chief of Police
  • Louisiana Association of Chiefs of Police
  • City of Lafayette, LA
  • City of Monroe, LA
  • Massachusetts Chiefs of Police Association
  • Professional Fire Fighters of Massachusetts
  • City of Gloucester, MA
  • Maine State Troopers Foundation
  • Maryland Troopers Association
  • City of College Park, MD
  • City of Frederick, MD
  • City of Hagerstown, MD
  • City of Laurel, MD
  • City of Salisbury, MD
  • City of Somerset, MD
  • Michigan Association of Chiefs of Police
  • Missouri State Teachers Association
  • Missouri State Troopers' Association
  • Fighters Association of Missouri
  • City of Edina, MN
  • City of Minneapolis, MN
  • Mississippi Association of Chiefs of Police
  • Montana Sheriffs and Peace Officers Association
  • North Carolina State Firefighters Association
  • Catawba County, NC Sheriff's Office
  • City of Asheville, NC
  • City of Carrboro, NC
  • City of Chapel Hill, NC
  • City of Durham, NC
  • City of Fayetteville, NC
  • City of Greenville, NC
  • City of Holly Springs
  • City of Huntersville, NC
  • City of Kinston, NC
  • City of Matthews, NC
  • City of Monroe, NC
  • City of Mooresville, NC
  • City of Rocky Mount, NC
  • City of Salisbury, NC
  • City of Sanford, NC
  • Town of Bear Grass, NC
  • Town of Dover, NC
  • Town of Nags Head, NC
  • Town of Wake Forest, NC
  • Nebraska Emergency Medical Services Association
  • New Hampshire Association of Chiefs of Police
  • New Hampshire Capital Fraternal Order of Police Lodge
  • New Mexico State Firefighters Association
  • City of Hobbs, NM
  • City of Las Cruces, NM
  • City of Sunland Park, NM
  • New Jersey State Association of Chiefs of Police
  • New Jersey State Fireman's Association
  • New Jersey State Policemen's Benevolent Association
  • State Troopers' Fraternal Association of New Jersey
  • Professional Firefighters Association of New Jersey
  • New York State Correctional Officers and Police Benevolent Association
  • New York State Sheriffs Association
  • New York State Troopers Police Benevolent Association
  • Nevada Sheriffs' and Chiefs' Association
  • Ohio Association of Chiefs of Police
  • Ohio Sheriffs Association
  • City of Dayton, OH
  • City of Lima, OH
  • Butler County Sheriff
  • Stark County Sheriff
  • Warren County Sheriff
  • Buckeye State Sheriffs' Association
  • Oregon Association of Chiefs of Police
  • Oklahoma County Sheriff
  • Pennsylvania Chiefs of Police Association
  • Pennsylvania Professional Firefighters Association
  • Pennsylvania Sheriffs Association
  • Pennsylvania State Corrections Officers Association
  • Pittsburgh Bureau of Police
  • Firemen's Association of the State of Pennsylvania
  • City of Allentown, PA
  • City of Erie, PA
  • City of Monessen, PA
  • Rhode Island Police Chiefs' Association
  • South Carolina State Firefighters' Association
  • South Carolina Sheriffs' Association
  • South Carolina Law Enforcement Officers Association
  • South Carolina Police Chiefs' Association
  • City of Anderson, SC
  • City of Charleston, SC
  • City of Conway, SC
  • City of Florence, SC
  • City of Greenville, SC
  • City of Hanahan, SC
  • City of Myrtle Beach, SC
  • City of North Augusta, SC
  • City of North Charleston, SC
  • City of North Myrtle Beach, SC
  • City of Rock Hill, SC
  • City of York, SC
  • Town of Gray Court, SC
  • Town of Mount Pleasant, SC
  • Professional Firefighters Association of South Carolina
  • Richland County Sheriff's Department
  • Tennessee Chiefs of Police Association
  • Tennessee State Lodge Fraternal Order of Police
  • Professional Educators of Tennessee
  • Texas State Troopers Association
  • Sheriffs' Association of Texas
  • Collin County, TX Sheriff's Office
  • Fort Bend, TX County Sheriff's Office
  • Lubbock County, TX Sheriff's Office
  • Tarrant County, TX Sherriff's Office
  • Utah Chiefs of Police Association
  • Virginia Association of Chiefs of Police
  • Virginia State Firefighters Association
  • Virginia State Police Association
  • Northern Virginia Association of REALTORS®
  • City of Roanoke, VA
  • Orange County Sheriff
  • Wisconsin Chiefs of Police Association
  • West Virginia Chiefs of Police Association
  • City of Huntington, WV
  • Wyoming Emergency Medical Services Association
  • Federated Fire Fighters of Wyoming
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Letters of Support & Endorsements!

We're so excited each time we recieve a letter or note from an individual or organization supporting The HELPER Act.

We wanted to share these with you, so you can see just how many incredible people are gathering together to support our Heroes and Helpers!

Heroes First Home Loans at Churchill Mortgage Corporation, NMLS #1591 is an Equal Housing Lender - ©2020 All Rights Reserved.