Helpful Mortgage And Real Estate Advice

What Should I Do If I’m Feeling Excluded From Neighborhoods Or Homes?

By on November 11, 2013 in Home Buying Advice, Mortgage Videos

Discrimination and the Housing Industry

The act of discriminating against a certain person, family, or group of people carries severe consequences and penalties in the United States, and it’s illegal to prevent a person from moving into a residence because of demographic factors like race, income, or national origin.

It might sound incredible that discrimination could exist today when the United States has come so far from its difficult and volatile past, but there are still instances of discrimination that exist today.

History of Discrimination Law

The United States has a decades-long history of fighting against discrimination and the riotous civil rights era of the 1960s convinced lawmakers in Washington to create the Civil Rights Act of 1968, which was later known as the Fair Housing Act. This vital law made it illegal to discriminate in the housing industry.

Through the efforts of the government, home ownership in the United States rose dramatically in the decades after the passage of the 1968 Civil Rights Act. However, discrimination remains a problem in housing, and there are still instances of prejudice, bigotry, and inequity that exist today.

Examples of Discriminatory Behavior

An example of behavior that might be labeled as discrimination under the Fair Housing Act would be if a family secured a mortgage and wanted to move into a residence and was told that the home was already purchased, when, in fact, the home was still available.

The Fair Housing Act also protects borrowers against discrimination for housing funds and prevents lenders of engaging in the same type of discrimination. Approval for a mortgage or loan cannot be based upon demographic factors like race or family status.

What to Do After Experiencing Discrimination

If a family feels that they are being excluded from a neighborhood based upon discrimination, it’s essential that they contact the United States Department of Housing and Urban Development (HUD) as soon as possible.

The law prevents discrimination regarding housing based upon the following characteristics:

  • Color
  • Disability
  • Familial status
  • National origin
  • Race
  • Religion
  • Sex

HUD offers the following contact numbers and encourages anyone who has experienced discrimination during a search for a home to call:



1-800-927-9275 (TDD)

Experiencing discrimination may have unfortunate emotional consequences, and it’s essential that nobody who feels that he or she has been discriminated against keeps quiet about the problem.


About the Author

About the Author: Jessica Lucas is the managing editor for Mortgage Home Base, a top real estate finance blog dedicated to helping borrowers and home buyers understand the home loan process. Follow Jessica on Google +, and share your comments here. .
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