Despite expansive and deep-seated beliefs in the American Dream’s egalitarian concept America’s structure still perpetuates racial and class inequalities. At the base of “the American Dream” is homeownership. A home is equal parts family sanctuary and wealth asset. A home is a status symbol of substance. Homeownership provides: shelter and security and elevated community involvement and in democratic institutions. So, in the worst real estate market since the 1940s on whom do we rely to eradicate racial and class inequalities in homeownership? During the nation’s economic downturn homeownership rates among minority communities declined significantly.