Not everyone could afford to pay down payment for mortgage and credit check is mandatory.
The government does have HUD program to help low income families to own a house with low interest mortgage, also there is USDA assistance for rural area.
Own a house that require a lot of work while short on money = you are basically screw up.
The foundation repair could cost much as $30,000+ (if more severe), broken central AC cost about $10,000 to replace and renovation cost much money.
