[ad_1] The blame of the housing crisis has at times been put on President Clinton, who was urged by minority leaders, when he was in office, to expand homeownership opportunities. As a response, President Clinton urged lenders to offer more flexible loan programs, to help minority families, who were otherwise left out of the dream, have a chance at homeownership. The guidelines that Fannie Mae and Freddie Mac offered were strict and required 20% down; money that most minority families…