A way to get an affordable house is to wait until the states have a tax sale, call down to your local tax office and see when they have their tax sale and then go and get one of those. You can also find delinquent tax deeds and pay for those and then they should become yours. If you do not like to do it that way, you can always buy some land and get a tiny house or a pop up house or even a mobile home and go that route. It is best to find land that has water and septic already hooked up or you may have to pay for that but hey, it is cheaper than having to spend 200,000 for a brand new house. This way allows you to save money until you can get better especially in this economy.
Buying a home right out is not easy they are needing your check stubs for the past two years and sometimes you won't have that.You are also needing a great credit score even though some said they would take the 580, they do not. It is so much more on you to try to buy a home. Home buy is not affordable. The affordable housing went extent and are so rare that people do not believe them when they tell you the price due to so many scams going around.
The houses that has all the rooms needed are way to expensive and wants payment that are often time higher than people can afford and it sucks. It is like you are giving an arm and a leg to have a place to call home.
Affordable housing would be great for people because they would have a place to forever call theirs without having to worry about if the landlord is going to make them move.
The bank system doesn't even help those who really need it. It will only help the ones who have money. Unless you have $10,000 or more they do not even want to see you. They won't even really take cash, it has to be in your account because they will claim you are doing illegal things if you hand them cash which is not right but as everyone is saying we are going into a cashless society.
If housing was affordable there would not be as many homeless people as there is because no one can afford a house and be sure that we can eat also and pay bills. Things are expensive. Most of the businesses that are trying to force people into office could convert it into housing for those who needs it. Also businesses that closed down could be a perfect place for the homeless to live. It would be like an apartment to them but no one really wants to help them. No one really wants to help anyone. It is a hand up thing that they don't want to help anyone but themselves.
It is all about greed, who has the most cash.