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This article will cover advice for first time mortgages that prospective home buyers can refer to for guidance. The American dream has been defined and redefined several times throughout our nation's history. After World War II the American dream took on the connotation of home ownership and a solid family life. Living in a suburban neighborhood with a home of your own was the goal of many GIs returning from the war. Banks were willing to lend, builders were ready to build, and cities were prepared to embrace suburban sprawl.