Governmental actions to house people have a poor history in the US.  Part of the housing debacle involving all the big banks was the Federal government virtually requiring loans be made to people who couldn't afford to make the payments.   The big banks and Fannie Mae etc. took that situation and expanded it into their corporate and individual scams which eventually brought it all down.  Government action also was part of the Savings and Loan Crisis in the 80's.  "In 1979, the Federal Reserve System of the United States doubled interest rates that it charges its member banks in an effort to reduce inflation. The building or savings and loans associations (S&Ls) had issued long-term loans at fixed interest rates that were lower than the interest rate at which they could borrow."  Governments are not the solution; they are part of the problem.