Design a second chance mortgage that is easily obtainable for people with credit scores below 600.

A second chance mortgage will help boost the economy and the housing market. It will allow people who can not even obtain a bad credit home loan to buy a home. Just because people have a credit score below 600 does not mean they are bad people. It just means they have made mistakes. These people should not be punished for the rest of their life, be forced to pay thousands of dollars to credit repair companies or pay thousands down. Make credit courses for them to take to be able to get the loan. This will not only help the people NEEDING a home but also the people that NEED to sell their home. Even companies such as HUD, USDA and FHA who are supposed to be helping people turn down scores below a 640-680. With those scores you can easily get a conventional loan and do not need help.