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homeownership month, we must recognize that homeownership is a primary driver of wealth, for most families in united states. it s a source of stability and opportunity for families who can leverage their home equity to put their kids through college and you start a business and support them in retirement. however not everyone has been able to realize the dream of home ownership of the pandemic housing boom has made these disparities worse. in fact, while millions of people were able to take advantage of historically low interest rates to purchase homes. for finance their mortgages. skyrocketing home prices and other ongoing challenges made it harder for millennials and gen x gen z people of color, and individuals without intergenerational wealth to compete and access homeownership. so while the federal reserve estimates that home equity reached a record 27.8 trillion by early 2022 many qualified would be home buyers could not partake in this wealth building event. these trend

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