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Homebuying Education

Why Homeownership Defines the American Dream

Angie Kearns | 13 Dec 2019

For decades, the “American Dream” has been thought of as white picket fences and a nice backyard surrounding a house to call your own. People dream about and long for shelter, a good school district and space for backyard barbeques that purchasing a home provides. While these are reasonable desires we all have, homeownership in America achieves something even more satisfying – the dream of attaining financial security and creating generational wealth.

Owning a home provides an indispensable tool to create wealth because the value of the house increases as the balance of the amount owed on the mortgage decreases.  The value between the balance of the loan and the present/appraised value of the house is called equity. The wealth is created over the time that you spend in the home. You are no longer without access to cash at any given time because the value is sitting in your residence. That cash builds equity and grows over the years, especially if you maintain and take good care of the house. 


Real estate is the fastest growing investment vehicle in the U.S. Leveraging real estate for wealth is quintessentially American. When utilizing various tools, such as mortgages, we manage investment portfolios so that money grows and brings future returns. As a homeowner, you are paying down debt through affordable monthly installments and simultaneously building equity. According to a 2018 Urban Institute study, the returns on owning a home typically outperform the stock market and there isn’t a better vehicle for savings, which helps financially empower you for retirement and future financial freedom. 

So if you think about it, the “American Dream” is really all about leverage. And that’s what we do at Landed – provide essential professionals with leverage through our shared equity down payment program to afford properties in areas that are out of reach. We also provide essential professionals with the opportunity to buy “more house” in choice neighborhoods that will appreciate at a quicker rate than other areas, all toward the goal of achieving financial security and building wealth.

This financial security can open doors for homeowners to send their child to college. This wealth can afford the care of the homeowner’s aging parents’ needs and even position themselves for a great retirement. After all, the essential professionals that we partner with are the people educating our children on a daily basis, caring for the sick and keeping our communities safe. These essential professionals are the glue holding our communities together in lifelong committed acts of service and we’re determined to help make their American Dream a reality. 




Homebuying Education Financial Wellness

About the Author

Angie Kearns

Angela (Angie) Kearns has been coined the Prosperity Queen since entering her real estate career in 1998. Her mission in life is to connect her clients to prosperity while purchasing or selling their homes. Born in Philadelphia, PA, Angie relocated to Metro-Atlanta, where she became a radio personality covering various topics on love, self-love, and healing from emotional chaos. Known for interviews with celebrities and professionals who have mastered their craft, her radio talk show offered advice and impactful epiphanies. Surprisingly, not being a fan of sports at all, she also had a popular sports talk show. Think Angie would stop at real estate and radio? Think again. Her first success as an entrepreneur was in 1994 with a daycare center in Smyrna, GA called Teach Me Write Preschool. Today, you can find Angie impacting the lives of many through her speaking engagements for adults and high school teens. Angie is also the mother of two daughters who have inherited her tenacious trailblazing attributes.

Looking for Landed's down payment program? Due to a temporary unavailability of DPP investment funds, all Landed metro areas are being put on a DPP waitlist effective September 8, 2022. You can read all the details (including FAQs) here if you would like to know more.