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Note to the teacher:
This short assessment is designed to initiate discussion and to examine possible misconceptions about home buying and homeownership. To illustrate the activity, you can give students a few simple statements and ask if they are true or false (for example, “It’s raining today”). Then you can tell students that you are going to ask them true/false questions about buying a home. If you print out the statements in advance on newsprint or the board, you will provide more opportunities for students to practice reading and writing.

 

 
Tools for Teachers

Assessment: True/False Survey

Shelley Emmer, New York Association for New Immigrants, New York, NY

Very few foreign-born Americans own their own homes.

FALSE. Almost the same percentage of U.S.-born and immigrant heads of household own their own homes.

The national statistics: 67.4 percent of U.S.-born heads of household, 66.9 percent of foreign-born citizen heads of household, and 33.1 percent of U.S. noncitizen heads of household own their own homes.

If you have had credit problems, it will be impossible for you to buy a home.

FALSE. Your credit problems will make it more difficult, but there are ways to improve your credit rating, and there are some different choices for getting a mortgage.

Owning a home is not a good investment because if the economy collapses, you will lose your home.

FALSE. No matter how bad times are, you have to pay for housing.

Most people have trouble getting loans.

FALSE. About 66 percent of all home purchase mortgage applications are approved.

 

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