A May 2009 survey conducted by the National Foundation for Credit Counseling reveals that almost half of all American adults, more than 100 million people, no longer believe that homeownership is a realistic way to build wealth.

"The lack of confidence in consumers' ability to buy a home, improve their current housing situation, or trust homeownership to provide a significant portion of their wealth sends a strong message about the impact of the housing crisis," said Gail Cunningham, NFCC spokesperson. "It appears that whether a person was directly affected or not, Americans' attitudes toward homeownership have shifted."

Almost one-third of those surveyed said they will never qualify for homeownership. Of those who previously owned homes, 42% consider themselves permanent renters. Additionally, 31% of current homeowners doubt they'll ever qualify to upgrade to a larger home or a vacation home.

NFCC Member Agencies provide housing education to consumers and represent the largest number of certified housing counselors in the nation.