H.R. 9514, Immigration-Based Housing Exclusion. Quorum's AI analysis reads it as a net cost — and names who bears it.
H.R. 9514 · Net cost
What it does
This bill would restrict FHA mortgage insurance and Fannie Mae/Freddie Mac mortgage purchases to U.S. citizens only, effectively barring non-citizens — including lawful permanent residents, visa holders, and other legal immigrants — from accessing federally backed home loans. Currently, legal non-citizens can qualify for FHA loans and conventional mortgages backed by the GSEs. This change would make homeownership significantly harder or impossible for millions of legal immigrants.
The analysis names private mortgage lenders (non-GSE) — and 2 more groups — among the beneficiaries.
The cost
Lawful permanent residents (green card holders) who have lived and paid taxes in the U.S. for decades would lose access to FHA loans and GSE-backed conventional mortgages, effectively confining them to the more expensive private jumbo loan market or cash purchases.
The analysis put a high warning level on this bill. Transparency scores 82%, and the analysis found no provisions unrelated to the bill's subject.
Who is behind it
Filed by Brandon Gill. Cosponsored by Andrew Clyde, Barry Moore, Clay Fuller and Diana Harshbarger.