The government should not be in the business of home loan business.  Home loans should be issued by financial institutions who understand the free market system, without the government telling them who should or should not be able to buy a home.    Home loads should only be approved to individuals who qualify for the loans and mortgage payments.  I think one of the reasons for the economic disaster of 2008 was too many people were allowed to buy homes by Freddie and Fannie that really could not qualify to buy a home!