Do you own your own home or do you just pay rent to a lender instead of a landlord?

The question isn’t frivolous. Rather, it speaks to whether your house is a place to live or an investment, a temporary abode or a more permanent living space, real property or just a roof over your head.

There are 75 million owner-occupied housing units in the United States, and of those, nearly 24 million don’t have a mortgage, according to U.S. Census Bureau estimates.

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