{"id":5290,"date":"2024-01-15T05:30:00","date_gmt":"2024-01-15T11:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/homeownership-is-still-at-the-heart-of-the-american-dream\/"},"modified":"2024-01-18T20:56:33","modified_gmt":"2024-01-19T02:56:33","slug":"homeownership-is-still-at-the-heart-of-the-american-dream","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/homeownership-is-still-at-the-heart-of-the-american-dream\/","title":{"rendered":"Homeownership Is Still at the Heart of the American Dream"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240112\/Header-Image-pg-18.png?w=358&#038;ssl=1\" alt=\"Homeownership Is Still at the Heart of the American Dream Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p><span style=\"color: black\">Buying a home is a powerful decision, and it remains at the heart of the American Dream. Unlike renting, owning a home means more than just having a place to live \u2013 it offers a sense of belonging, stability, and freedom. <\/span><a href=\"https:\/\/www.cnbc.com\/2023\/12\/15\/heres-what-to-expect-in-2024-if-you-want-to-buy-a-home.html#:~:text=%E2%80%9CThe%20American%20Dream%20is%20still,in%20America%2C%E2%80%9D%20said%20Lautz.\" rel=\"noopener noreferrer\" target=\"_blank\">According<\/a><span style=\"color: black\"> to Nicole Bachaud, Senior Economist at <\/span><em style=\"color: black\">Zillow<\/em><span style=\"color: black\">:<\/span><\/p>\n<blockquote><p><em style=\"color: black\">\u201c<\/em><strong style=\"color: black\"><em>The American Dream is still owning a home<\/em><\/strong><em style=\"color: black\">. There\u2019s a lot of pent-up demand for ownership; that isn\u2019t going to go away.\u201d<\/em><\/p><\/blockquote>\n<p><span style=\"color: black\">Let\u2019s explore just a few of the reasons why so many Americans continue to value homeownership.&nbsp;<\/span><\/p>\n<h4><strong>The Financial Benefits of Owning a Home<\/strong><\/h4>\n<p>One possible reason homeownership is viewed so highly is because owning a home is a significant <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/11\/07\/homeowner-net-worth-has-skyrocketed\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">wealth-building<\/a> tool. That may be why Jessica Lautz, Deputy Chief and VP of Research at the <em>National Association of Realtors<\/em> (NAR), <a href=\"https:\/\/www.cnbc.com\/2023\/12\/15\/heres-what-to-expect-in-2024-if-you-want-to-buy-a-home.html#:~:text=Indeed%2C%20%E2%80%9Chomeownership%20is%20the%20number,American%20dream%20of%20financial%20stability.\" rel=\"noopener noreferrer\" target=\"_blank\">says<\/a>:<\/p>\n<blockquote><p><strong><em>\u201cHomeownership is the number one way to build wealth in America.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p><span style=\"color: black\">Over time, owning a home not only helps boost your own <\/span><a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/10\/12\/growing-your-net-worth-with-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">net worth<\/a><span style=\"color: black\">, but it also sets future generations up for success as you pass that wealth down. <\/span><em style=\"color: black\">Habitat for Humanity<\/em><span style=\"color: black\"> <\/span><a href=\"https:\/\/www.habitat.org\/sites\/default\/files\/Evidence-Brief_Wealth-building-for-homeowners.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">explains<\/a><span style=\"color: black\">: <\/span><\/p>\n<blockquote><p><em>\u201cOverall, homeownership promotes wealth building by acting as a forced savings mechanism and through home value appreciation. Homeowners make monthly payments that increase their equity in their homes by paying down the principal balance of their mortgage. . . . In addition, owning a home promotes intergenerational homeownership and wealth building. Children of homeowners transition to homeownership earlier \u2014 lengthening the period over which they can accumulate wealth . . .\u201d<\/em><\/p><\/blockquote>\n<p>It can also provide meaningful <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/10\/25\/invest-in-yourself-by-owning-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">financial stability<\/a> compared to renting. When you buy with a fixed-rate mortgage, you can lock in your monthly housing payments for the length of your home loan.<\/p>\n<h4><strong>The Non-Financial Benefits of Homeownership<\/strong><\/h4>\n<p>But, owning a home offers more than just <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/10\/06\/how-homeowner-net-worth-grows-with-time-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">financial benefits<\/a>\u2014it benefits you socially and <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/11\/23\/why-homeowners-are-thankful-they-own\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">emotionally<\/a> too. Your <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/12\/25\/these-non-financial-benefits-turn-a-house-into-a-happy-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">home<\/a> provides feelings of achievement, responsibility, and more. In a recent survey, <em>Fannie Mae<\/em> <a href=\"https:\/\/www.fanniemae.com\/research-and-insights\/perspectives\/consumers-homeownership-aspirations-remain-high-despite-higher-home-prices-and-interest-rates\" rel=\"noopener noreferrer\" target=\"_blank\">outlines<\/a> just a few of these more emotionally-driven benefits, including:<\/p>\n<blockquote><p><em>\u201cThe top three were having control over what you do with your living space (94%) to having a sense of privacy and security (91%) and having a good place for your family or to raise your children (90%) . . .\u201d<\/em><\/p><\/blockquote>\n<h4><strong>What Does That Mean for You?<\/strong><\/h4>\n<p>If your idea of the <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/11\/30\/is-owning-a-home-still-the-american-dream-for-younger-buyers\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">American Dream<\/a> involves greater freedom, security, and prosperity, homeownership could be a key player in bringing that dream to life. And with <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/01\/08\/what-lower-mortgage-rates-mean-for-your-purchasing-power\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">mortgage rates<\/a> now on a downward trend, it might be a good time for you to consider making a move.<\/p>\n<p>If you\u2019re ready and able to buy, know that there are incredible benefits waiting at the end of your journey. You&#8217;ll gain more than just a home \u2013 it&#8217;s a place to grow your wealth and call your very own. Like Ksenia Potapov, Economist at <em>First American<\/em> <a href=\"https:\/\/blog.firstam.com\/economics\/building-wealth-brick-by-brick\" rel=\"noopener noreferrer\" target=\"_blank\">says<\/a>:<\/p>\n<blockquote><p><em>\u201c&#8230;homeownership remains an important driver of wealth accumulation and the largest source of total wealth among most households.\u201d<\/em><\/p><\/blockquote>\n<h3>Bottom Line<\/h3>\n<p>Buying a home is a powerful decision and the cornerstone of the American Dream. If finding a place to call your own is part of your dream for this year, connect with a local real estate advisor to start the process today.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home is a powerful decision, and it remains at the heart of the American Dream. Unlike renting, owning a home means more than just having a place to live \u2013 it offers a sense of belonging, stability, and freedom. According to Nicole Bachaud, Senior Economist at Zillow: \u201cThe American Dream is still owning [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5291,"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-5290","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 v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Homeownership Is Still at the Heart of the American Dream&#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\/homeownership-is-still-at-the-heart-of-the-american-dream\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homeownership Is Still at the Heart of the American Dream&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Buying a home is a powerful decision, and it remains at the heart of the American Dream. Unlike renting, owning a home means more than just having a place to live \u2013 it offers a sense of belonging, stability, and freedom. According to Nicole Bachaud, Senior Economist at Zillow: \u201cThe American Dream is still owning [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/homeownership-is-still-at-the-heart-of-the-american-dream\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-15T11:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-19T02:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/nwiloanguy.com\/blog\/wp-content\/uploads\/2024\/01\/Header-Image-pg-18.png\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"410\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta 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