I think mr hudaks previous political role as well as his current one are adversely affecting his perspective.

People shouldn't get mortgages because they want them, they should get them because they deserve them.  We have seen what happens stateside when people get in over their heads due to poor underwiting and low credit standards. 

Anybody with a decent down payment and good credit and sufficient income will get the funds they need, and there are wide variety of financial companies out there who are happy to lend to qualified individuals.