Bill lets mortgage companies fund affordable home building for working families.
H.R. 9461 — Working Families Home Construction Act of 2026 · Filed by Scott Fitzgerald (R-WI) · Introduced Jun 25, 2026 · Referred to committee
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What it does
Fannie Mae and Freddie Mac can buy and sell construction loans. Builders can borrow up to $100,000 per home. Each project has a $2.4 million limit. Homes go to families earning 90 to 130 percent of area median income. Builders must pay at least 10 percent of costs. Fannie Mae and Freddie Mac use 22 percent of their capital for these loans. Buyers must live in the home for one year.
Who it affects
Working families earning 90 to 130 percent of area median income can buy newly built affordable homes. Home builders and construction companies get a new way to borrow money. Fannie Mae and Freddie Mac dedicate part of their capital to these loans.
One thing to notice
Fannie Mae and Freddie Mac must set aside 22 percent of their capital for these loans. This could reduce money they have for other mortgages.
From the analysis of the bill text, linked under Primary records below.
Where it stands
- Jun 25, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jun 25, 2026 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
1 groups reported lobbying about this bill. They filed 1 reports from Jun 2026 to Jun 2026.
Those reports show $216,377 in lobbying spending. Each report lists about 101 bills. So that money was not all for this bill.
More groups named this bill than 0% of bills with any report.
Scott Fitzgerald, who sponsored the bill, received $880,000 from PACs for the 2026 election.
- Associated General Contractors of America — $216,377 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- Fannie Mae and Freddie Mac — Large companies owned by the government that buy and sell home loans.
- area median income — The middle income amount that people in a region earn.
- capital — Money that a company has available to lend or invest.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the full bill text on Jun 30, 2026; transparency and hidden-provision scores are compared against the median of 14,206 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Jun 2026 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-17.
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