A new bill could finally put American citizens first for federal housing programs.
Rep. Brandon Gill of Texas has just introduced legislation to stop your hard-earned taxpayer dollars from being used to back mortgages for illegal immigrants.
Rep. Gill announced in a post on X:
I just introduced a bill to restrict taxpayer-backed mortgages to U.S. citizens only.
The sole purpose of our housing programs is to help Americans build wealth and achieve the American Dream. Illegal immigration is making that impossible. pic.twitter.com/tksavSohli
— Congressman Brandon Gill (@RepBrandonGill) June 29, 2026
The bill is called the Homeownership Eligibility Reform, and it’s long overdue.
In a follow-up post, Rep. Gill explained that 6% of FHA-insured mortgages went to people who are not U.S. citizens during the Biden regime:
And while that was happening, Washington actively made it worse.
The FHA — your taxpayer-backed mortgage program — was handing federally subsidized loans to noncitizens with no permanent legal status.
6% of all FHA-insured mortgages went to noncitizens.
— Congressman Brandon Gill (@RepBrandonGill) June 29, 2026
Underneath President Trump, the Department of Housing and Urban Development has already taken steps to restrict eligibility for FHA-insured mortgages.
However, Rep. Gill’s legislation would take things even further, preventing anyone who is not a U.S. citizen from being eligible for an FHA loan.
Bloomberg Government has more details on the proposed legislation:
The Homeownership Eligibility Reform Act, shared first with Bloomberg Government, would codify an administrative order making undocumented immigrants ineligible for mortgage insurance under the Federal Housing Administration. The legislation comes as House Republicans push to codify President Donald Trump’s immigration-related executive orders, arguing Democrats will seek to reverse his policies after his term ends.
Home ownership has traditionally been the “pathway to the American dream,” Gill said in an interview. “That’s becoming more and more unattainable.” He said his legislation will make sure government-backed mortgages—which offer lower down payments and less stringent borrowing criteria than conventional loans—are reserved for American citizens.
Gill’s bill details a mortgagor must be a “citizen of the United States” to receive loans. He told Bloomberg Government he seeks to prohibit all “non-permanent” immigrants from securing FHA loans, as well as bar Fannie Mae and Freddie Mac from purchasing and securitizing mortgages made to noncitizen borrowers.
Since the start of Trump’s second term, the administration and GOP lawmakers have cracked down on social benefits, claiming there is rampant “waste, fraud, and abuse,” even though undocumented citizens don’t qualify for the Supplemental Nutrition Assistance Program, Medicaid, and Social Security.
ADVERTISEMENTIn March 2025, the Department of Housing and Urban Development announced it would no longer allow any “non-permanent resident” to receive FHA mortgages, which are designed to help lower-income and first-time homebuyers. The rule blocked those in the Deferred Action for Childhood Arrivals program, who were brought to the US as children, as well as immigrants with pending asylum claims access to government-backed loans. This reversed a Biden-era policy allowing DACA recipients to receive FHA mortgages.
Lawful permanent residents, such as green card holders, are still eligible for FHA loans under the 2025 order. But under Gill’s bill, green card holders would also be blocked from securing or purchasing loans from FHA, Fannie Mae, and Freddie Mac, under his legislation, per Gill’s office.
One has to ask: why were illegal aliens ever allowed to get mortgages funded by hard-earned U.S. taxpayer dollars in the first place?
It’s crazy that this has to be explicitly banned. Pass it ASAP, Congress!
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