A starter home or starter house is a house that is usually the first which a person or family can afford to purchase, often using a combination of savings and mortgage financing. The term is common in the real estate industry to describe small one- or two-bedroom houses, often older homes, but sometimes low-cost new developments. The concept originated in the drive toward home ownership in the United States is derived from the idea of the "American Dream." As such, the starter home is a "starter" because the homeowners envision eventually upgrading to what the American Dream dictates as a larger house in a wealthier neighborhood, once they advance further in attaining financial wealth. Recent trends indicate most starter homeowners are moving to houses of their choice which may come in the form of a smaller condominium or older smaller home, which since the turn of the 21st century have become as coveted as single-family homes.