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for most of my childhood our family rented and then there was this one afternoon where my mother our mother called my sister Maya and me and we were in high school of the time and she called us into the kitchen and she showed us this photograph and it was a picture of a one-story dark gray house with a shingled roof and a beautiful lawn and Mommy which is what we called her was telling us that after her years of saving she was ready to become a homeowner and I remember that day so vividly our mother was so excited and we were therefore so excited because our mother was so excited about what this meant in terms of not only a symbol of her hard work but what it means to be able to have that symbol of pride in yourself knowing also what it means in terms of what you can do for your family I remember that so well and so not only for my mother but for millions of people across our nation thats what that means homeownership is an essential part of the American dream for so many people a ho