Underwrite home mortgage based on what buyers currently pay for rent (no less than a 20% housing-to-income ratio) or up to a 28% housing-to-income ratio.

Limit downpayment coming directly from buyer to under 3% for houses that sell for $50,000 or less. Help buyers keep their cash. Place greater weight in underwriting credit history and income stability.

Underwrite home mortgages based on loan principle, loan interest, property taxes, homeowners insurance and a utility/maintenance reserve (PITIR) so that funds are available for operating costs.

Encourage buyers only to purchase a new or substantially rehabilitated house.

Identify houses that are located close to where the buyer works, shopping and support services.

Develop a package of Post Purchase Counseling and Support Services to assist new homeowners as they face the new experience and challenges of owning a home.