Mortgage rates are at an all-time low because of the pandemic and the economy. This may be the best time to start your homeownership capability. Consider homeownership to begin building your wealth profile. Start small or go big if you have the ability. Wealth in America starts with a goo homeownership profile. Some beginners rely on family members to help start the process. Before doing so make sure you pay down or pay off all the high-interest debt that could affect your credit score. Good credit scores are key 680 to 720 is a good reference point to begin the process.