Bill would ban legal immigrants from federally backed home loans.
H.R. 9514 — Homeownership Eligibility Reform Act · Filed by Brandon Gill (R-TX) · 15 cosponsors · Introduced Jun 29, 2026 · Referred to committee
Your members of Congress
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What it does
This bill would stop the FHA from giving mortgages to non-citizens. Fannie Mae and Freddie Mac would also stop buying these loans. Legal immigrants and green card holders could no longer use these programs. They would have to use private loans instead, which cost more.
Who it affects
Millions of legal immigrants and green card holders would lose access. Families where one spouse is a citizen and one is not might face problems.
One thing to notice
The bill does not say what counts as a citizen. It is not clear how the rule would work for all types of people.
From the analysis of the bill text, linked under Primary records below.
Where it stands
15 cosponsors: 15 Republicans.
- Jun 29, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jun 29, 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
2 groups reported lobbying about this bill. They filed 2 reports from Jun 2026 to Jun 2026.
Those reports show $182,000 in lobbying spending. Each report lists about 30 bills. So that money was not all for this bill.
More groups named this bill than 41% of bills with any report.
Brandon Gill, who sponsored the bill, received $422,850 from PACs for the 2026 election.
- Heritage Action for America — $140,000 in 1 report
- Federation for American Immigration Reform — $42,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- FHA — A government program that insures home loans for people who might not qualify elsewhere.
- Fannie Mae and Freddie Mac — Companies that buy home loans from banks so banks can lend more money.
- mortgage — A loan a person gets to buy a house.
- federally backed — Supported or insured by the U.S. government.
- 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.
How this was measured
Analysis — Quorum's AI read the full bill text on Jul 4, 2026; transparency and hidden-provision scores are compared against the median of 14,707 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 16, 2026 · page rendered 2026-09-23.
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