The Helper Act of 2021 is a bill that offers mortgage assistance to people who work in law enforcement, education, emergency response, and other public service roles. As a firefighter, you'll qualify. The goal is to provide zero-down loans for people who have devoted their lives to public service. It stands for Homes for Every Local Protector, Education, and Responder. It is administered by HUD/FHA and offers 100% financing, no monthly mortgage insurance, and a one-time premium of 3.6%. There are no geographic restrictions, either, so you can apply for these benefits regardless of where you live.