To Sierra Isley, the American Dream brings to mind a home ringed by a white picket fence. “The house in the suburbs is just what you’re taught growing up,” the 26-year-old said. “You know, that’s what you see on TV.” What she wanted for her life was a bit different from that picket-fence ideal, but she still saw the prospect of buying her first house two years ago as a chance to live out what she called “that big dream that everybody has as a kid.” 

Isley and her girlfriend, Jamie, were moving from Philadelphia to Asheville, North Carolina, and found a home they liked, a three-bedroom brick house with lots of natural light and a big tree out front. With some help from their parents, they put down a deposit and got their offer accepted. But when they went …

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