When Clyde Ross, Mattie Lewis, and Ethel Weatherspoon settled in the West-side neighborhood of North Lawndale, they hoped to achieve the American dream of owning a home. At the time, however, federal policies known as redlining prevented blacks from getting real mortgages, forcing them to buy from real-estate speculators "on contract." The contracts, homeowners soon discovered, turned out to be a scam.