How Kids Are Helped by Homeownership: The Hidden Power of Owning Your Home

kids helped by homeownership - happy family receiving keys

How Kids Are Helped by Homeownership: 9% Higher Grades, 0% Down

Published October 30, 2025

Imagine your child scoring 9% higher in math and reading - just because you own your home.

At First Capital Mortgage Inc., we've helped thousands of parents discover: kids helped by homeownership outperform renters in school, behavior, and future wealth.

Kids helped by homeownership score 9% higher in math & reading - and are 1.6× more likely to own homes as adults.¹

Every forced move costs your child 6 months of learning.² How many moves has your family already endured?

Kids Helped by Homeownership: The 4 Superpowers

Same school → no mid-year transfers
Same friends → confidence skyrockets
Same bedroom → less stress, better sleep
Growing roots → pride, responsibility, legacy

"We moved 4 times in 5 years. My son started acting out. The day we closed on our home, everything changed."
- Sarah M., First Capital Client

Parents Win Too: Retire 3 Years Early

Kids helped by homeownership parents retire at 65 - renters wait until 68 and need 50% more saved.⁴

$400,000 net worth vs $10,400 for renters
Equity grows 4 - 5% yearly while you sleep
Tax deductions on interest + property taxes
Debt-free college using home equity

Kids Helped by Homeownership: Start with 0% Down

VA USDA FHA 100% financing for kids helped by homeownership

→ Explore 0% down programs for first-time buyers

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Let's build your family's legacy with kids helped by homeownership.

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First Capital Mortgage Inc. - NMLS #2228346 (CA) • #2527671 (NV/TN)
¹NBER 2019 | ²Urban Institute 2021 | ³Georgetown CEW 2020 | ⁴Fed SCF 2022