

Solving The Foreclosure Crisis Essay

1030 words - 4 pages

The foreclosure crisis is affecting everyone. It affects the people who are experiencing it, the people who have hopes of owning a home, and the people who are watching others be affected by it. It is adding stress to an already stressful society. Owning a home is put on such a prestigious pedestal that it makes people sometimes get into a situation that they are not financially prepared for. I feel it should be taken off it prestigious level and looked upon as a necessity. Take the power away from the banks, which sometimes do what is in their best interest and not the interest of the person. Do not have a system of loans and interest rates. Homeownership should not be a business it should be a fact of life.

To survive a human being needs food, air, water and shelter. As a citizen of the United States every person should be guaranteed a place to live. As a human being shelter is needed. It has never been optional or negotiable, it is a fact. A person needs shelter to protect him from the elements. The government should produce housing for every citizen. A basic dwelling where everyone has the same thing. The basic home for a family would consist of a minimum of two bedrooms, kitchen, bathroom, dining area, a front yard, back yard, and a driveway. Units can be created for bigger families; these would consist of another bedroom and half a bath. For single people, their dwelling would be like a studio. The units would be small, medium and large. Depending on the size of your family would depend on the size of your unit. The dwellings would be built and then filled. You would have to be a citizen of the United States to be entitled to one. Anyone not a citizen would be forced leave and then become a citizen to be able to come back. This would lessen some of the over crowdedness. By building in advance, there would be no wasted land and the units will be filled as needed.

There would be no rent or mortgage. You would pay a maintenance fee, depending on your salary. This money would be given to the government to help maintain the property. It would be the responsibility of the person to decorate, furnish and maintain their property. If they failed to maintain the property in a safe, law abiding manner, they would have to move. They would now move to another area with people who do not maintain the property in a safe law abiding manner. They should not be ever put in the street, just moved to another area. If a person still has an issue, then he will be moved to another area with less then he had. He will always have a dwelling, but with each move, his dwelling will get smaller and he will be moved...

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