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(soft music) (upbeat instrumental music) - [Narrator] Its not surprising that the rise of the American middle class and the rise in homeownership shared a similar trajectory. That first home. A sweet slice of the American Dream. Birthdays and barbecues. Good neighbors and good schools. But it was more than that. It was a launching pad for the average white American family. As your home appreciated in value, your financial options increased. Home equity allowed you to move up to a bigger home as your family grew. It meant you could tap your homes value to pay for a college education. And eventually, the wealth your home helped create, was passed on to the next generation. This created a cycle of prosperity. This was the American Dream. - Well, how do you like it? - [Narrator] But it wasnt for everyone. (soft music) Denying the American Dream was easier than you might think. All it took was a map, a red pencil and the intent to exclude. Along with the blessing and authority of the Uni