|Don't be delinquent.|
This suggests that the best tool to increase home ownership, particularly among individuals and families who don't currently own a home, is to reduce the down payment requirements on mortgage loans...I will respectfully disagree with you. Loan performance is at a historical high. Why? Because loan requirements are appropriate.
Just a matter of time as the process continues.
The US housing market has been in a bubble for 50 years...and it's coming to an end.