Crystal Marie McDaniels poses in front of her home in Charlotte, N.C., on Friday, July 9, 2021. Mcdaniels said buying a house was crucial for her because she wants to pass on wealth to her son someday, giving him an advantage she never had. So when the loan officer told her the deal wasn't going to happen, she refused to give up. (AP Photo/Nell Redmond) ** FILE **
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