Set up a none profit national mortgage club that helps its members share the wealth not Wall street or the Banks.

A mortgage club takes from its members one monthly mortgage payment,their stake, that money is used to borrow money at a low interest rate, and used to refinance mortgages across the country. Each month members get the opportunity to refinance their homes with the available raised capital, and at the end of their current repayment period they will have paid off their mortgage years earlier. They also get their stake payment back whenever they decide to leave the club if they need to, and at the end of the issue period they get a share of any profits made in that period by that group of mortgage owners.
Simply put this scheme takes the profit from the financial institutions and puts it back with the mortgage owners and pension funds.