Who says the American Dream is ＿＿（19）＿＿ ? Today the dream of owning a home is prevalent in many young people's minds. But with today's house prices, how can young people afford to buy their first home? When you apply for a ＿＿（20）＿＿ for your home, the bank will use a table to calculate the payment schedule. Some banks are now making simplified ＿＿（21）＿＿ of these tables available to potential house-buyers to help them better understand the minefileds behind the payment schedule.