Not everyone should be a home owner. Guaranteeing affordable housing is a good thing but it still should not be used to get people who cannot afford a house the burden and responsibility of a house. Regulate the credit score needed to get a home and still receive an acceptable foreclosure rate to stay in business. Anyone with a low credit score can still get an apartment, work on their credit and then get a house in a few years. We (society) are always in a hurry; homeownership is a massive undertaking for someone on the cusp of financial security. Lending institutions, private or government, should tighten their access and stop dangling the carrot.

If they want to be a successful lender that will be around for years, then maybe they should be a little more careful who they lend to. It is not mean or denying a right, it is common sense that will keep them around, as a resource, for all to use.

Having a certain percentage of the population renting is good and should keep the real-estate market from becoming what it is now, especially in Michigan, a giant mess of foreclosures and uncertainty.