{"id":4683,"date":"2023-02-07T05:30:15","date_gmt":"2023-02-07T11:30:15","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-experts-can-help-close-the-gap-in-todays-homeownership-rate\/"},"modified":"2023-02-07T05:30:15","modified_gmt":"2023-02-07T11:30:15","slug":"how-experts-can-help-close-the-gap-in-todays-homeownership-rate","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-experts-can-help-close-the-gap-in-todays-homeownership-rate\/","title":{"rendered":"How Experts Can Help Close the Gap in Today\u2019s Homeownership Rate"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2023\/02\/06142055\/how-experts-can-help-close-the-gap-in-todays-homeownership-rate-KCM.jpg?w=358&#038;ssl=1\" alt=\"How Experts Can Help Close the Gap in Today\u2019s Homeownership Rate Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>As we celebrate Black History Month, we reflect on the past and present experiences of Black Americans. This includes the path toward investing in a home of their own. And while equitable access to housing has come a long way, homeownership can be a steeper climb for households of color. It\u2019s an important experience to talk about, along with how it can make all the difference for diverse homebuyers to work with the right real estate experts.<!--more--><\/p>\n<\/p>\n<p>We know it\u2019s more challenging for some to <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/24\/the-3-factors-that-affect-home-affordability\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buy a home<\/a> because there\u2019s still a measurable gap between the overall average U.S. homeownership rate and that of non-white groups. Today, the lowest homeownership rate persists in the Black community (<em>see graph below<\/em>):<\/p>\n<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2023\/02\/06142054\/20230207-Homeownership-Rate-MEM.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-48765\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2023\/02\/06142054\/20230207-Homeownership-Rate-MEM.png?resize=650%2C488&#038;ssl=1\" alt=\"How Experts Can Help Close the Gap in Today\u2019s Homeownership Rate | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<\/p>\n<p>Homeownership is an essential piece for building household wealth that can be passed down to future generations. However, there are obstacles in the <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/02\/03\/you-may-not-need-as-much-as-you-think-for-your-down-payment-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homebuying<\/a> process that can negatively impact certain groups. This can delay or prevent many from achieving homeownership, challenging their ability to benefit from everything owning a home offers. A <a href=\"https:\/\/www.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\">recent report<\/a> from the <em>National Association of Realtors<\/em> (NAR) explains:<\/p>\n<blockquote><p><em>\u201c. . . not all [households] have the same opportunities to homeownership, with many of them facing more constraints in their effort to achieve the American Dream. . . . <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>.\u201d<\/em><\/p><\/blockquote>\n<p>However, with the right support and resources, there are solutions if you\u2019re part of this community and planning to <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/19\/pre-approval-in-2023-what-you-need-to-know\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buy a home<\/a>. Jacob Channel, Senior Economist at <em>LendingTree<\/em>, <a href=\"https:\/\/www.cnbc.com\/2022\/08\/27\/black-borrowers-mortgage-denial-rate-twice-that-of-overall-population.html\" target=\"_blank\" rel=\"nofollow noopener\">shares<\/a>:<\/p>\n<blockquote><p><em>\u201cThe problem does exist. We have data that back that up. <strong>But there are solutions<\/strong>, and Black homebuyers shouldn\u2019t lose faith that they\u2019ll never be able to become homeowners.\u201d<\/em><\/p><\/blockquote>\n<p>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. These professionals aren\u2019t only experienced advisors who understand the local <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/17\/think-twice-before-waiting-for-3-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">market<\/a> and give the best advice. They\u2019re also compassionate allies who will advocate for your best interests every step of the way.<\/p>\n<\/p>\n<h3>Bottom Line<\/h3>\n<p>\nAccess to housing improves every day, but there are still equity challenges that some buyers face. Let\u2019s connect to make sure you have an advocate on your side as you walk the path to homeownership.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As we celebrate Black History Month, we reflect on the past and present experiences of Black Americans. This includes the path toward investing in a home of their own. And while equitable access to housing has come a long way, homeownership can be a steeper climb for households of color. It\u2019s an important experience to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4684,"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-4683","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>How Experts Can Help Close the Gap in Today\u2019s Homeownership Rate&#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\/how-experts-can-help-close-the-gap-in-todays-homeownership-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Experts Can Help Close the Gap in Today\u2019s Homeownership Rate&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"As we celebrate Black History Month, we reflect on the past and present experiences of Black Americans. 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