Noncitizens could no longer get FHA-insured home loans. Fannie Mae and Freddie Mac also could not buy their standard mortgages on homes with one to four units.
Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Homeownership Eligibility Reform Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.R. 9514: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects noncitizens who want to buy a home. That includes green card holders and other people living in the country legally. They would lose access to FHA-insured loans and to standard loans that Fannie Mae or Freddie Mac can buy. Lenders and families with both citizen and noncitizen borrowers would also have to deal with the new rule.
Why this matters: Some noncitizens can now use federal mortgage programs that help people buy homes, but this bill would end that access. These programs can help borrowers make smaller down payments, pay less to borrow, or get long-term fixed-rate loans. Noncitizens might have to use private loans instead, which could be harder to get or cost more. The bill does not say how many borrowers, lenders, or local housing markets would be affected.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Officially: Homeownership Eligibility Reform Act
Noncitizens could no longer get FHA-insured home loans. Fannie Mae and Freddie Mac also could not buy their standard mortgages on homes with one to four units.
Use this page to support, oppose, or ask Congress to amend HR9514. Modern Action explains Homeownership Eligibility Reform Act in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (6/29/2026)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Homeownership Eligibility Reform Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR9514, your stance, and the reasons you choose, then lets you edit and send when ready.
