Mortgage Insurance Freedom Act

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in House Sep 19, 2025 · 909 words Open full page ↗

119TH CONGRESS

1ST SESSION

H. R. 5508

To amend the National Housing Act to restrict the collection of annual

mortgage insurance premiums when a 78 percent loan-to value ratio

is reached, and for other purposes.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 2%, measured from US's completed sessions
Momentum -3 35/100 from the pace of recorded action
Time since last action -22 395 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.