Your Home is your right: Housing For All

Welcome to our series dedicated to sharing creative policy ideas that give immediate and direct material benefit to people if enacted. 

Today, we focus on Housing as a human right. 

Imagine public policy that directly benefited people. Imagine we freed Americans by making housing a simple and affordable possibility for anyone.

In our new era, the old American Dream should be the baseline for everyone. 

Imagine we treated housing like a human right. So easy to obtain that you were free to invest your time and money into other aspects of life rather than scraping by enough to pay your overpriced mortgage or rent.

Welcome to the cutting edge, Housing For All.

Housing For All does 3 things.

We Free Homeowners from Mortgages by depegging liens from the deeds.

By Detaching Mortgages from the Deed and property, we can transform the mortgage into fiat financial assets for banks, so they don’t have to worry about losing their value, and the economy can adapt. 

Meanwhile, individual homeowners are now freed from the debt of the mortgage, allowing them to use those funds once spent on the lien, on life, liberty, and the pursuit of happiness. 

In basic terms, think about how we depegged gold from the US Dollar.

We eliminate price speculation and stabilize the housing market.

Housing is an essential aspect of our lived experience. As such, there should be strict pricing controls to ensure your home can no longer be treated like a gambling token for the market. This allows us to stabilize the price and cost of housing permanently.

We invest in publicly funded private home ownership.

As a nation, we can ensure quality housing and healthy stock available for people at affordable prices.

By investing in expanding existing HUD utilities and adapting our capabilities by drawing from the world’s leading public policy initiatives like what we see in Vienna, Singapore, and other notable places.

This ensures we continue to build new quality housing and adapt to proven market limitations. 

For the Nerds

This is a straightforward policy idea. In fact, most banks already use these principles; we just haven’t used them to empower consumers. 

By detaching mortgages and liens from deeds, we give homeowners a chance to live their lives while also allowing the banking system to keep their overpriced financial assets certified as having value by the federal government at the point of separation and allowed to be governed by the invisible hand of the market just as we do fiat currency and other monetary items. 

Doing so will allow us to create significant fundamental changes to empower people while limiting market shock. 

The US dollar used to be pegged to gold. Every dollar in circulation was a claim on a fixed quantity of a physical commodity sitting in a vault. When that peg was severed, the dollar did not disappear. It kept working as a currency. 

And just like we severed the dollar from gold, we can sever the mortgage note from the property beneath it, without the note losing its value.

That is the idea behind Housing For All. When a household voluntarily enrolls, the lien is severed, and the mortgage note is converted into a time-accreting financial instrument, the same class of financial tool as a zero-coupon bond. The bank keeps its asset. The note keeps its value, accreting toward its terminal amount on a fixed schedule. No government money goes out the door because this is a reclassification of the asset and not a purchase. 

From the Perspective of the Homeowner, this empowers you by freeing you from the outrageous cost of housing today. Rather than being priced at the inflated market rate, all housing is priced at the simple cost to build it. 

Homeowners will be economically empowered for many reasons. The income used for their mortgage would now be freed for them to use for other desires. Imagine what you can do with that extra money.

So this begs the question. If we lower housing values, how would this impact new housing construction?

Simple, we turn to the world’s leading policy on affordable new construction. 

Vienna has shown that this kind of system works at scale. Nearly two-thirds of the city's residents live in subsidized housing, with rents kept at roughly 58% of private market rates, and the city is consistently ranked among the most livable in the world. The model is funded through a modest payroll contribution and operates through a revolving loan structure: the city gives loans, not grants, which get repaid and recycled into new construction, making the system largely self-sustaining. 

Here is what the numbers actually look like. The median sale price of an existing home in the United States as of April 2026 is $417,700, according to the National Association of Realtors.

 At the current 30-year fixed rate of 6.49% with a 20% down payment, the monthly principal and interest payment on that home is approximately $2,134. Add property taxes, insurance, and maintenance, and most households are spending $2,600 to $3,000 per month to be housed. 

Under Housing For All, we end price speculation and value homes at their real cost valuation. Based on the cost of construction. 

Utilizing HUD programs like the first-time homeowner program, among others, to help people pay for their new home.

We can create real change for people. Improve their access to opportunity. We simply have to be creative and pragmatic in our approach.