I'm a postman. I make about $4,000 a year. My wife, Geraldene, and I moved here from the South Side. We didn't have a down payment, but we were determined to get the house we wanted. I handed the salesman a $20 bill to show him I meant business.

We signed up for the house we wanted and began making the monthly payments for the down payment. Then we finally got a G.I. mortgage and were able to move into our house. We've got a brick ranch with three bedrooms, two TV sets, an air conditioner, a piano, a 1953 Chrysler, and the best lawn on the block.