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Some people might believe that the home jurgis buys is a symbol of the American Dream, but Sinclair meant this purchase to be a lesson. Everyone dreams of owning their own home, paying for something that belongs to you rather than line the pockets of a landlord. Unfortunately, this purchase is a swindle, made to take advantage of immigrants.
"He brought out the placard, which was quite a work of art. It was nearly two feet long, printed on calendered paper, with a selection of colors so bright that they shone even in the moonlight. The center of the placard was occupied by a house, brilliantly painted, new, and dazzling. The roof of it was of a purple hue, and trimmed with gold; the house itself was silvery, and the doors and windows red. It was a two-story building, with a porch in front, and a very fancy scrollwork around the edges; it was complete in every tiniest detail, even the doorknob, and there was a hammock on the porch and white lace curtains in the windows. Underneath this, in one corner, was a picture of a husband and wife in loving embrace; in the opposite corner was a cradle, with fluffy curtains drawn over it, and a smiling cherub hovering upon silver-colored wings. For fear that the significance of all this should be lost, there was a label, in Polish, Lithuanian, and German--"Dom. Namai. Heim." "Why pay rent?" the linguistic circular went on to demand. "Why not own your own home? Do you know that you can buy one for less than your rent? We have built thousands of homes which are now occupied by happy families."--So it became eloquent, picturing the blissfulness of married life in a house with nothing to pay. It even quoted "Home, Sweet Home," and made bold to translate it into Polish--though for some reason it omitted the Lithuanian of this."
"It appeared that this house contained four rooms, besides a basement, and that it might be bought for fifteen hundred dollars, the lot and all. Of this, only three hundred dollars had to be paid down, the balance being paid at the rate of twelve dollars a month. These were frightful sums, but then they were in America, where people talked about such without fear. They had learned that they would have to pay a rent of nine dollars a month for a flat, and there was no way of doing better, unless the family of twelve was to exist in one or two rooms, as at present. If they paid rent, of course, they might pay forever, and be no better off; whereas, if they could only meet the extra expense in the beginning, there would at last come a time when they would not have any rent to pay for the rest of their lives."
"An hour before the time on Sunday morning the entire party set out. They had the address written on a piece of paper, which they showed to some one now and then. It proved to be a long mile and a half, but they walked it, and half an hour or so later the agent put in an appearance. He was a smooth and florid personage, elegantly dressed, and he spoke their language freely, which gave him a great advantage in dealing with them. He escorted them to the house, which was one of a long row of the typical frame dwellings of the neighborhood, where architecture is a luxury that is dispensed with. Ona's heart sank, for the house was not as it was shown in the picture; the color scheme was different, for one thing, and then it did not seem quite so big. Still, it was freshly painted, and made a considerable show. It was all brand-new, so the agent told them, but he talked so incessantly that they were quite confused, and did not have time to ask many questions. There were all sorts of things they had made up their minds to inquire about, but when the time came, they either forgot them or lacked the courage. The other houses in the row did not seem to be new, and few of them seemed to be occupied. When they ventured to hint at this, the agent's reply was that the purchasers would be moving in shortly. To press the matter would have seemed to be doubting his word, and never in their lives had any one of them ever spoken to a person of the class called "gentleman" except with deference and humility."
There are many details in this chapter about agents and deceit; the discussions among family members, and the difficulty in making the purchase decision. You'll also see extensive doubts about the business men they're dealing with, and yet, they go ahead and make the decision even with their doubts. Jurgis believes he's in America where everything is possible.