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Homeownership Eligibility Reform Act
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.
Summary
- Restricts Federal Housing Administration (FHA) mortgage insurance to mortgagors who are citizens of the United States.
- Prohibits Fannie Mae from purchasing conventional mortgages on one- to four-family homes if the mortgagor is not a U.S. citizen.
- Prohibits Freddie Mac from purchasing conventional mortgages on one- to four-family homes if the mortgagor is not a U.S. citizen.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Gill, Brandon [R-TX-26] (R-TX)
15 cosponsors
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL)
- Rep. Cloud, Michael [R-TX-27] (R-TX)
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA)
- Rep. Crane, Elijah [R-AZ-2] (R-AZ)
- Rep. Fine, Randy [R-FL-6] (R-FL)
- Rep. Fuller, Clay [R-GA-14] (R-GA)
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ)
- Rep. Grothman, Glenn [R-WI-6] (R-WI)
- Rep. Harshbarger, Diana [R-TN-1] (R-TN)
- Rep. Jackson, Ronny [R-TX-13] (R-TX)
- Rep. Mace, Nancy [R-SC-1] (R-SC)
- Rep. Moore, Barry [R-AL-1] (R-AL)
- Rep. Moore, Riley M. [R-WV-2] (R-WV)
- Rep. Perry, Scott [R-PA-10] (R-PA)
- Rep. Rulli, Michael A. [R-OH-6] (R-OH)
Money behind the sponsor
Top reported contributors to Brandon Gill’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $82,288
- ENTREPRENEUR $21,308
- DSOUZA MEDIA $13,200
- LEXINGTON MANAGEMENT $6,600
- DELTA AIR LINES $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Brandon Gill → · Outside spending →
Actions (2)
- Jun 29, 2026 Referred to the House Committee on Financial Services. · house
- Jun 29, 2026 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
June 29, 2026
Mr. Gill of Texas (for himself, Mr. Bilirakis, Mr. Perry, Mr. Moore of Alabama, Ms. Mace, Mr. Cloud, Mr. Moore of West Virginia, Mr. Fuller, Mr. Gosar, Mr. Jackson of Texas, Mr. Fine, Mr. Clyde, and Mr. Crane) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
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.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Homeownership Eligibility Reform Act”.
SEC. 2. ELIGIBILITY OF MORTGAGORS FOR FHA MORTGAGE INSURANCE.
Section 203(b)(8) of the National Housing Act (12 U.S.C. 1709(b)(8)) is amended to read as follows:
“(8) Is executed by a mortgagor who is a citizen of the United States.”.
SEC. 3. ELIGIBILITY OF MORTGAGORS WITH RESPECT TO PURCHASE AND SECURITIZATION BY FANNIE MAE AND FREDDIE MAC.
(a) Requirement for Fannie Mae.—Section 302 of the Federal National Mortgage Association Charter Act (12 U.S.C. 1717) is amended in subsection (b)(2), by inserting after the second sentence the following: “No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.”.
(b) Requirement for Freddie Mac.—Section 305 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454) is amended in subsection
(a)(2) by inserting after the first sentence the following: “No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.”. <all>
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