This document discusses 5 helpful first-time homebuyer programs. It begins by providing some historical context on homeownership in the US, noting that the Federal Housing Administration was created in 1934 to encourage homeownership when only 40% of Americans owned homes. Today, around 64% of Americans own their own home. The document then states that there are a variety of public and private programs that exist to help first-time homebuyers purchase their first home, and it will discuss 5 such programs.

1. 5 Helpful First-time Homebuyer Programs
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5
Helpful First-time Homebuyer Programs
Owning your own home -- it's the American dream. Actually, it's only been the American dream since
about 1934, when the Federal Housing Administration was created. At the time, only 40 percent of
Americans owned their own homes; most people were renters. It was difficult to buy a house back
then, as mortgage loan terms were expensive and repressive. So few people dreamed of it. But the
creation of the FHA helped millions of folks become first-time homebuyers, a role it's played ever
since [source: U.S. Department of Housing and Urban Development].
Since then, the U.S. government has encouraged homeownership through its many home-loan
programs, touting it as a way to improve one's future prosperity and noting it fosters better
citizenship, among other reasons [source: Glaeser]. Today, many argue it's not necessary, or even
desirable, to create a nation filled with nothing but homeowners. If a person can't handle the
associated costs such as property taxes, insurance and repairs, it may not be a good idea to buy.
Still, most Americans clearly think it's preferable. As of the third quarter of 2014, a full 64.4 percent
of Americans owned their own home [source: Callis and Kresin].
If you've been longing for a place of your own, but never seem to be able to swing it, don't give up.
There are a wide variety of programs in place, both public and private, that exist to help people

7. purchase their first home. Here are five of them.
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