Share this article Share this article PHILADELPHIA, Feb. 17, 2021 /PRNewswire/ -- HomeOwner Makers Educational Services (H.O.M.E.S.) is pleased to announce a new national program to educate and help home buyers who prefer to purchase their homes without a traditional third-party mortgage. Our free website at www.HomeOwnerMakers.com offers a detailed explanation of how this process will work. The Problem: In 2014, in response to the national housing collapse, Federal Regulators created what they called "Qualified" Mortgages, hoping to protect consumers against homeownership problems. This solution, often requiring 20% down payments and stringent qualification guidelines, has made it nearly impossible to buy a home for most renters, and has led to the lowest rate of homeownership in recent history. One-third of Americans cannot qualify for a mortgage to own a home.