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My Housing Plan for America

In the middle of the 2008 housing crisis, I traveled to Nevada to hear from people who had lost their homes. One of the people who spoke that day was Mr. Estrada. He wore a jacket over his T-shirt and had on a red U.S. Marine Corps baseball cap. He and his wife both worked, and they had stretched their budget to get their two girls into a good school and buy a home. Their home meant everything to them — it was right across the street from the school so they could see their girls playing outside when they opened their garage door.

But when the payments on their mortgage jumped, they fell behind. Mr. Estrada tried to negotiate with the bank, but then suddenly the bank sold his home at auction.

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