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“It’s deep in the race for a man to want his own roof and walls and fireplace, and we’re helping him get those things in our shabby little office.”—“Pa” Bailey to George Bailey, It’s a Wonderful Life

Owning a home has been considered the American Dream since before the classic film quoted above debuted in 1946, and for generations since. However, the continued escalation of home prices, limited inventory, and more than $1.5 trillion in student debt among young consumers means the American Dream, though still achievable, may not come as easily as it did for some in previous generations.