The housing market is on an upswing, but not everyone is reeping the benefits, the Denver Post said. 

The Obama administration is pushing to make home loans more accessible to people with weaker credit, the article stated.

However, the new push for lending to people with weaker credit has created skepticism in the marketplace.

Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.