Because Banks are not the federal government.  Government shouldn't be in the housing business.  How about we educate folks on the benefits of entering into the nations economy and let the housing, along with a whole host of other malaise be addressed when said rural folks become participants in said economy .... Because, based on my observations very very very few are invested into the nations economic engine ..... Ps.  Government workers are not part of the economic engine ... They're just the - let's say - the oil that makes it run a little smoother.  Too much oil and the engine gets blubbery, smoky and slow.... Like the present day US economy .... :-)