Posts - Bill - HR 5508 Mortgage Insurance Freedom Act
house 09/19/2025 - 119th Congress
We are working to stop the collection of annual mortgage insurance premiums once a homeowner’s loan balance reaches 78% of the original home value, helping borrowers save money and build equity faster while protecting the financial stability of the mortgage insurance fund.
Congress.gov
HR 5508 - Mortgage Insurance Freedom Act
Views
right-leaning 09/19/2025
Less government overreach means more freedom to build wealth the old-fashioned way.
moderate 09/19/2025
Good to see some sensible limits on premiums—hopefully it’s a win-win for lenders and borrowers.
left-leaning 09/19/2025
This bill sends a clear message: housing should help people, not drain them dry.
right-leaning 09/19/2025
Government handouts disguised as protection don’t fix housing; they just add more red tape.
right-leaning 09/19/2025
If we keep coddling mortgage fees, we’ll kill the incentive to pay loans off early—bad for the market.
left-leaning 09/19/2025
Cutting unnecessary mortgage fees? About time we put families before profits!
left-leaning 09/19/2025
Finally, a win for everyday homebuyers instead of big banks padding their pockets.
moderate 09/19/2025
This could keep more equity in homeowners’ pockets, but let’s watch how well HUD manages the exceptions.
moderate 09/19/2025
A smart balance: easing burdens without risking the mortgage fund’s health.