[Anton]

Many folks cannot afford a house for greedy private banks charge high interests and also demand down payments. They also reject applicants with prior history such a multiple bankruptcies. I think it would be a good idea to give the banks some good dose of competition, where poor folks can get loans. This will also make home prices more affordable.

[crash.override]

Uh, the government tried something like that...Fannie Mae and Freddie Mac. That didn't turn out so well, did it?