I’d honestly be surprised if people “hoping” to qualify even have the $15,000-20,000 needed for a down payment.
And even they did as kev said they may not have the income, job stability, orcredit score to qualify.
I don’t know how long it will take until policy makers, banks, and fickle bandwagon media “experts” figure out making more money available to borrow is not the answer. In fact it was the problem to being with.