{"id":4212,"date":"2022-06-20T05:00:39","date_gmt":"2022-06-20T10:00:39","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/why-achieving-the-dream-of-homeownership-can-be-more-difficult-for-some-americans\/"},"modified":"2022-06-20T05:00:39","modified_gmt":"2022-06-20T10:00:39","slug":"why-achieving-the-dream-of-homeownership-can-be-more-difficult-for-some-americans","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/why-achieving-the-dream-of-homeownership-can-be-more-difficult-for-some-americans\/","title":{"rendered":"Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/16151015\/20220620-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Today we take time to honor and recognize the past and present experiences of Black Americans. When it comes to real estate specifically, equitable access to housing has come a long way, but the path to homeownership is still steeper for households of color.<span id=\"more-46679\"><\/span><\/p>\n<h4><strong>The Gap in Homeownership Rate in America<\/strong><\/h4>\n<p>It\u2019s a more challenging journey to achieve <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/06\/02\/how-homeownership-impacts-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homeownership<\/a> for some buyers, as shown by the measurable gap between the overall average U.S. homeownership rate and that of non-white groups. Today, <em>Census <\/em>data shows the lowest <a href=\"https:\/\/www.census.gov\/housing\/hvs\/files\/currenthvspress.pdf\" target=\"_blank\" rel=\"nofollow noopener\">homeownership rate<\/a> persists in the Black community (<em>see graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/16151016\/20220620-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46681\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/16151016\/20220620-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>This graph clearly indicates there\u2019s a gap that still exists in the percentage of people in each community who are able to achieve <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/18\/how-homeownership-can-bring-you-joy\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homeownership<\/a>.<strong>\u00a0<\/strong><\/p>\n<h4><strong>How Homeownership Impacts Household Wealth<\/strong><strong>\u00a0<\/strong><\/h4>\n<p>One of the challenges that could make buying a home harder for these groups is how difficult it can be to accumulate wealth. Even today, there are obstacles certain racial and ethnic groups, especially the Black community, still face. A <a href=\"https:\/\/time.com\/nextadvisor\/mortgages\/what-is-black-homeownership-gap\/\" target=\"_blank\" rel=\"nofollow noopener\">recent article<\/a> from <em>NextAdvisor<\/em> explains:<\/p>\n<blockquote>\n<p><em>\u201cThe median Black household earns\u00a061 cents for every dollar\u00a0earned by a comparable White household, according to the Economic Policy Institute. <strong>This not only makes it more difficult to afford a home, but also to accumulate and pass on generational wealth<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n<p>This can delay or prevent many from achieving <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/27\/the-dream-of-homeownership-is-worth-the-effort\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homeownership<\/a>, challenging their ability to grow their <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/03\/28\/a-key-to-building-wealth-is-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">net worth<\/a> and build wealth that can pass down to future generations \u2013 a point that\u2019s clear in <a href=\"https:\/\/cdn.nar.realtor\/sites\/default\/files\/documents\/2022-snapshot-of-race-and-home-buying-in-the-us-04-26-2022.pdf\" target=\"_blank\" rel=\"nofollow noopener\">a 2022 report<\/a> from <em>the National Association of Realtors<\/em> (NAR):<\/p>\n<blockquote>\n<p><em>\u201c<strong>Given that homeownership contributes to wealth accumulation and the homeownership rate is lower in minority groups, data shows that the net worth for these groups is also lower.<\/strong> At $188,200, the net worth of a typical white family was nearly 8 times greater than that of a Black family ($24,100) in 2019.\u201d<\/em><\/p>\n<\/blockquote>\n<p>It\u2019s important to talk about the experience Black homebuyers may have and the challenges they may face as they pursue their dream of homeownership. The inequity that remains in housing can be a point of pain and frustration. That\u2019s why it\u2019s so important for members of diverse groups to have the right team of experts on their sides throughout the homebuying process.<\/p>\n<p>These professionals aren\u2019t only experienced advisors who understand the market and give the <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/23\/work-with-a-real-estate-professional-if-you-want-the-best-advice\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">best advice.<\/a> They\u2019re also compassionate allies who will advocate for your best interests every step of the way. They can point you to important <a href=\"https:\/\/3by30.org\/\" target=\"_blank\" rel=\"nofollow noopener\">resources<\/a> and tools that can help you throughout your journey to homeownership.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Opportunities in real estate improve every day, but there are still equity challenges that many face. Let\u2019s connect to make sure you have an advocate on your side to help you achieve your dream of homeownership.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today we take time to honor and recognize the past and present experiences of Black Americans. When it comes to real estate specifically, equitable access to housing has come a long way, but the path to homeownership is still steeper for households of color. The Gap in Homeownership Rate in America It\u2019s a more challenging [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4213,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-4212","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/why-achieving-the-dream-of-homeownership-can-be-more-difficult-for-some-americans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Achieving the Dream of Homeownership Can Be More Difficult for Some Americans&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Today we take time to honor and recognize the past and present experiences of Black Americans. When it comes to real estate specifically, equitable access to housing has come a long way, but the path to homeownership is still steeper for households of color. 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