and keeping the construction/banking lobby happy they dont approve of people being debt free
Do you want to spend an entire lifetime working to pay off a 30-40 year mortgage?
That doesn’t make sense when you can buy and own a tiny home free and clear with cash. And you don’t have to take out a mortgage to pay for it.
If you cut all your expenses, you can live better than a lot of rich people do.
HUD has no control over privately held mortgages.
HUD provides taxpayer-subsidized housing for low income people.