Create a governmental program to assist consumers with low credit scores but sufficient income to purchase a home.

Thousands of hard working consumers who are currently renting but have sufficient income to pay a mortgage, would love to own their own home. It is the belief of many that even with credit issues, housing is still a necessity. There should be a program to assist these consumers obtain a mortgage when they have never defaulted on one in the past. There is a good portion of the population being suppressed by banks and mortgage companies because the government does not require them to assist, with we the people's backing.