The American Dream Program
The concept of the “American Dream” has evolved over time, but it has always centered around the principles of equality and the pursuit of happiness. Initially, it symbolized the idea that everyone, regardless of their social or economic background, had an equal opportunity to succeed. It was about having the freedom to create a better life for oneself and future generations. Over the years, however, the American Dream has been redefined to include the idea of homeownership as a key aspect of success. Owning a home became synonymous with achieving the American Dream, as it represented stability, security, and financial prosperity. However, in recent times, the dream of homeownership has become increasingly elusive for many Americans, as the cost of housing has skyrocketed, making it difficult for individuals and families to afford mortgage payments. This shift has called into question the accessibility of the American Dream for all citizens. Despite these challenges, the essence of the American Dream still lies in the belief that everyone should have an equal opportunity to succeed and find happiness, regardless of their circumstances.
However, the "American Dream," as defined by President Trump and former Secretary of Housing and Urban Development (HUD), Ben Carson, centers around two vital aspects – affordable home ownership and a robust economy. This statement holds very true as a strong economy and job growth directly contribute to a thriving housing market, providing more American families with the opportunity to purchase and afford their homes. When the nation experiences economic prosperity, job opportunities increase, leading to heightened consumer confidence and financial stability among citizens. As a result, individuals and families find themselves in a stronger position to invest in real estate and achieve the quintessential American Dream of owning a home. Moreover, a strong housing market positively impacts the overall economy by fostering growth in related sectors such as construction, finance, and furniture manufacturing. The potential benefits are immense, as affordable homeownership not only provides a sense of security and stability to families but also leads to increased consumer spending, ultimately driving economic progress. Therefore, President Trump and Secretary Carson's vision of the American Dream aligns with the understanding that a robust economy and affordable homeownership go hand in hand, empowering more Americans to fulfill their dreams and contribute to the prosperity of the nation.
When contemplating the purchase of a home, one must consider a multitude of factors, the most pivotal of which is the affordability. This question invariably takes center stage “Can I truly afford to buy a home?” Moreover, it compels one to wonder to what extent they can truly afford a house. With this in mind, individuals seek out loans, hoping that the lender will determine how much they can afford, if they can afford at all. This process, however, is far from straightforward and often intricate. Lenders delve into a multitude of financial details and metrics, scrutinizing one's credit history, income, and debt-to-income ratio. For many, obtaining a home loan has become an exhaustive exercise, involving intense scrutiny and rigorous evaluation. Ultimately, the decision of how much one can afford to borrow lies in the hands of the loan provider, leaving aspiring homeowners anxiously awaiting their fate.
It's baffling how many people overlook the most fundamental question when it comes to obtaining a mortgage why do lenders loan us money to buy a home? Let's be honest, lenders are in the business of making a profit, plain and simple. They may cloak it as a noble service, but at the end of the day, they want to line their pockets with interest rates and other lucrative factors. After all, they hold the power to decide just how much profit they'll glean from your mortgage. It's as if we're willingly handing them the opportunity to exploit us while we chase our dreams of homeownership.
A large part of the problem lies in the insatiable greed of lenders who are solely driven by their desire to make exorbitant profits from every loan they offer. As a result, the average person is burdened with exorbitant interest rates, adjustable interest rates, balloon payments, and the list goes on. It is utterly appalling and unjustifiable how these lenders exploit individuals in the need to line their own pockets. Their unscrupulous tactics to maximize their gains are nothing short of usury. It is as if they are preying on the vulnerabilities and financial struggles of others, taking advantage of their desperate circumstances. This sheer lack of empathy and compassion towards their fellow human beings is not only morally reprehensible but also highlights the systemic issues within the lending industry. The fact that these practices—despite being inherently exploitative—are allowed to persist is an indictment of our society. It is high time that we take a stand against this flagrant abuse and demand that the financial sector prioritize the well-being and financial stability of individuals over their insatiable lust for profits.
That is why, we are delighted to announce our collaboration with S.H.I.E.L.D. in a shared mission to combat usury and promote truly affordable homeownership. Our values align perfectly, as both organizations firmly believe in ensuring fair and equitable access to homes for all American citizens. Through this partnership, we aim to revolutionize the housing market by introducing a novel approach. Instead of dictating exorbitant home prices and burdening individuals with unmanageable debts, we take a different route. Together with S.H.I.E.L.D., we encourage potential homeowners to consider their financial constraints and affordability. We respect that each individual's financial situation is unique, and so we pose a simple yet significant question - "How much can you afford to pay on a home if you purchase it?" By providing an honest answer, S.H.I.E.L.D. employs advanced calculations and methodologies to determine an accurate and suitable home price for each individual. This inclusive and compassionate approach empowers prospective homeowners to make informed decisions about their investment without compromising their financial well-being. We are thrilled to join forces with S.H.I.E.L.D. on this journey towards a society where affordable homeownership is not a luxury but a tangible reality for all. Together, we can help countless individuals and families achieve their dream of owning a home without unnecessary financial strain.
In this time in America and during the economic crisis, financial crisis and the severe lack of clean, livable, affordable housing, S.A.F.E. and S.H.I.E.L.D. are breaking ground on this revolutionary new program bringing truly affordable homeownership to the American people!
"The American Dream Program" is an Affordable Homeownership Program that helps American citizens purchase a home through a partnership between S.A.F.E. Housing Union and S.H.I.E.L.D. It's purpose is to provide homeownership opportunities specifically to Military families, low income and the middle class American citizens.
(Spot availability is first come, first served according to Membership enrollment, for their service to our Country Military Members will get priority in the program. The homeownership process does take time therefore there could be a waiting list depending upon the area you are in.)