When Ginni and Kevin Coyle were dating in the mid-1980s, they spent time driving around the countryside and admiring the surroundings near Kevin’s home in Mount Bethel, Pennsylvania. One house in particular made a vivid impression—a stately brick Georgian farmhouse built in 1854. Someday they would own a home like that, they promised each other.
More than a decade later, the two had married and were living nearby in a newer ranch-style house. Then they heard the Georgian was up for sale, and they knew they had to go for it. The price, however, was far out of their budget. “The house is beautiful and probably worth the money he was asking
