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FHA Loans: Borrowers with Disabilities and the Fair Housing Act

Who is affected by Fair Housing act laws and related government regulations? The short answer; just about everyone. According to the FHA official site the Department of Justice and the Department of Housing and Urban Development share responsibilities for enforcing the Fair Housing act, and FHA borrowers have plenty of built-in ways to seek resolution in legitimate cases of discrimination. FHA and HUD have extensive resources to record, track, and investigate complaints from FHA borrowers about violations of the act.

The Fair Housing act prohibits all types of housing discrimination, including “the refusal to make reasonable accommodations in rules, policies, practices, or services when such accommodations may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling” according to the FHA official site, which adds, “HUD and DOJ frequently respond to complaints alleging that housing providers have violated the Act by refusing reasonable accommodations to persons with disabilities.”

The protection against discrimination is an important right, but what does such protection entail?

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