An owner-occupier (also known as an owner-occupant or home owner) is a person who lives in and owns the same home. It is a type of housing tenure. The home of the owner-occupier may be, for example, a house, apartment, condominium, or a housing cooperative. The immovable property of the owner, which includes the home and the land upon which it sits, is known as the real estate.

Some homes are constructed by the owners with the intent to occupy. Many are inherited. A large number are purchased, as new homes from a real-estate developer or as an existing home from a previous landlord or owner-occupier.

A house is usually the most expensive single purchase an individual or family makes, and often costs several times the annual household income. Given the high cost, most individuals do not have enough savings on hand to pay the entire amount outright. In developed countries, mortgage loans are available from financial institutions in return for interest. If the home owner fails to meet the agreed repayment schedule, a foreclosure (known as a repossession in some countries) may result.

Ray White is a soul vocalist and rock and blues guitarist, best known as a member of Frank Zappa's touring ensembles. He was drafted into Zappa's band in the fall of 1976, being featured on rhythm guitar and vocals, forming a memorable vocal harmony partnership with Ike Willis on later tours in 1980 and 1984. White's vocals can be heard on Zappa in New York (March 1978), You Are What You Is (Sept 1981) as well as others. White can also be found on a The Torture Never Stops and Does Humor Belong in Music?; the former a DVD set in one of Zappa's last tours (without Ike Willis) and the latter being a VHS filmed at the pier in New York, the video features White and Ike Willis' signature vocal harmonies. According to Zappa, White, who was deeply religious, was uncomfortable with the atheistic views of some of the other band members, which led to his departure.

White has also worked with jam-oriented groups like KVHW, Don't Push the Clown and Umphrey's McGee since his contributions to the Zappa band, and has more recently worked with a variety of Michigan artists, including former Rare Earth drummer Bob Weaver, as well as members of the funk/fusion combo Generic Produce.