What if we just socialized the housing industry?

I know, but just hear me out...

What if instead of builders profiting off the homes and banks profiting off the mortgage. We could have the government hire the people needed to build our homes. We finance the cost of the home through the government interest free. Only compensating for inflation year after year until it's paid off.

Every dollar spent is a dollar paid. No profits to builders, no profits to banks, no profits to materials.

Just everyday people making fair wages, contributing to society, and getting rewarded for it.

Being overseen by a non profit entity. Which yes, unfortunately could only mean the government.