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Thesis Statement: Although surveys indicate that most families would like to live in their own home, neverthless; few of them are able to realize their dreams, because builders do not build affordable housing, most families cannot afford the down payment and employment opportunities are not available in areas where houses are affordable. ** Topic Sentence:  **  Most families cannot afford the down payment and employment opportunites are not available in areas where houses are affordables. " 3 Paragraphs" Or whole research Paper! = Note: Mrs. sisemore I will look information on the described topics, and my whole research paper will contain information on surveys, no affordable housing, downpayment, employment opportunities. =
 * Surveys:
 * No affordable housing:
 * Downpayment:
 * Employment opportunities :

Resource #1: http://www.census.gov/prod/2007pubs/h121-07-1.pdf http://articles.moneycentral.msn.com/Banking/HomeFinancing/AverageJoeStillCantAffordAHome.aspx
 * Insufficient cash for a down payment, or interest rates that set the monthly mortgage payment too high for the family to afford on its current income.
 * Nationally 48 percent of all families and unrelated individuals could afford a modestly price home in 2002.
 * In contrast the median value of the maximum priced home renters could afford was less than $20,000 in both 2002 and 1995. Many renters could nto afford any home because of low incomes little or no savings or ther financial assets; or high amounts of debt relative to their income.
 * Affordability of a home varied by type of household and marital status.
 * three-basic wasy to increase the affordability of home are to: lower interest rate, to require a lower down payment for home purchasers, and to provide a down payment subsidy to homebuyers.



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======================================================================================== First of all I would help him by remembering all the good things he did before he got him self in big trouble. I would also try to talk to him by giving advices and encourage him once again to do the right decisions he used to make. and if he consist in getting mad at me when I talk to him, what I would do I would go to somebody else that has more wisdom. and I would show him the consequences that he would phace in the future doing the wrong things.**