April 27, 2018

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Articles in Category: Fair Housing Act

HUD Announces Resolution to California Fair Housing Case

April Is Fair Housing Month

April is Fair Housing Month, and a press release from the Department of Housing and Urban Development (HUD) reminds us that 2017 is the 49th anniversary of the Fair Housing Act. We report on these issues here in addition to our usual FHA home loan topics because all borrowers, house hunters, and apartment seekers are protected from being denied housing on a discriminatory basis, but many don’t know or fully understand their rights under federal Fair Housing Act laws. And, as HUD explains, the availability of housing is an important factor in areas far beyond the immediate need of shelter and security. According to a press release at the HUD official site, “This year marks the 49th anniversary of the Fair Housing Act, landmark legislation that became law on April | more...

 
HUD Announces Additional Hurricane Recovery Efforts In Houston

Fair Housing Act Settlement With Alpine Bank & Trust

The Department of Housing and Urban Development (HUD) has announced a settlement in a Fair Housing case involving an Illinois lender. According to a press release at the HUD official site, a recent settlement with Alpine Bank & Trust settles allegations that, “the Northern Illinois-based lender discriminated against African American and Hispanic mortgage applicants.” According to the press release, HOPE Fair Housing Center located in Wheaton, Illinois, “filed a complaint with HUD claiming the lender’s business service areas excluded majority African-American and Hispanic neighborhoods”. Fair Housing Act regulations make it illegal for any person or company to discriminate against applicants for non-financial reasons such as race, religion, national origin, family status, gender identity, etc. According to the HUD official site, “HOPE Fair Housing Center alleged the bank’s lack of a | more...

 
HUD Announces Resolution to California Fair Housing Case

HUD Charges Oklahoma Landlords With Fair Housing Act Violations

Fair Housing Act laws help protect house hunters no matter what phase of the process they might be at, and it also offers protections for those seeking rental housing. Violations of Fair Housing laws can hinder those hoping to buy with FHA loans, conventional loans or other mortgages at some point, even if they aren’t actively looking to purchase at the moment. That’s why we report on Fair Housing cases from time to time-current and future loan applicants should know their rights and what to do if they encounter unfair treatment along the way. HUD recently announced on its official site that it is bringing charges against Oklahoma landlords for violations of Fair housing law. According to a press release on the HUD site that, “…it is charging the landlords | more...

 
HUD Announces Hurricane Aid For The Virgin Islands

HUD Announces Agreement In Fair Housing Cases

HUD has announced agreements with insurance companies in Ohio and Florida following an investigation into violations of Fair Housing Act regulations. We occasionally devote space to these issues because even in situations where the violations involve rental housing or other non-FHA loan transactions, they can affect borrowers seeking to apply for FHA loans. Some borrowers need rental housing to use in the planning stages of a mortgage before they can purchase a home, others may find themselves forced to house hunt due to job relocations, etc. Fair Housing laws protect Americans at all stages of the process of finding a home regardless of renting or buying. This most recent announcement of Fair Housing action from HUD states, “The U.S. Department of Housing and Urban Development (HUD) announced agreements with two | more...

 
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Fair Housing Issues: Discrimination Against Children

There are many reasons why we report on Fair Housing Act laws. Violations of Fair Housing laws don’t just directly affect the borrower who is trying to purchase a home; such violations can hurt renters who are in the planning stages of a home loan or those who are actively looking as renters who have relocated to a new job market, etc. Families with children looking to rent or buy with an FHA loan (or any other type of mortgage) may experience discrimination based on family status. One recent example discussed on the HUD home page makes it clear that people from all walks of life may experience this type of illegal discrimination. Consider a recent example in Wichita, Kansas, where credit history, payment status, or other financial qualifications were | more...

 
HUD Announces Resolution to California Fair Housing Case

HUD Charges Bank of America With Housing Discrimination

The HUD official site has announced that the agency is bringing charges of Fair Housing Act violations against Bank Of America in South Carolina. According to a press release, “The U.S. Department of Housing and Urban Development (HUD) announced today that it has charged Bank of America, N.A., and two of its employees with violating the Fair Housing Act by discriminating against prospective Hispanic mortgage borrowers in Charleston, South Carolina.” Federal Fair Housing laws make it illegal to discriminate against borrowers based on race, color, national origin, religion, sex, familial status, or disability. According to HUD press release HUDNo.17-004, “The National Fair Housing Alliance (NFHA) filed a complaint with HUD claiming the bank discriminated against prospective borrowers who are Hispanic by failing to provide them with information about loan products | more...

 
HUD Announces Hurricane Aid For The Virgin Islands

Fair Housing Complaints: A Reader Question

The Fair Housing Act is a federal law designed to prevent discrimination in all phases of the housing process, whether buying or renting. A reader got in touch with us recently in the comments section to complain about a fair housing issue. “My Mom lives in low income housing and has been discriminated against due to her disability, HPHA not wanting to accommodate her by installing her AC or allowing her to install it herself due to her asthma and breathing problems doctor orders/note saying that she needs this to help with her disabilityshe is being wrongfully evicted, now homeless and is a victim of discrimination and violence against women act Due to HPHA and their property manager…” While there’s no specific question mentioned in this comment aside from, “can | more...

 
HUD Announces Resolution to California Fair Housing Case

Fair Housing Case Settlement In Nevada

As the FHA/HUD official site says, “Disability is the most common basis of complaint filed with HUD and its partner agencies. Last year alone, HUD considered more than 4,500 disability-related complaints or nearly 55 percent of all fair housing complaints.” That is one reason why we report Fair Housing cases here-these complaints are not limited to rental markets, and even if they were, such discrimination affects a potential borrower’s house hunting prospects. If you are forced to relocate because of job or family issues and need to purchase a home while renting in the meantime, your entire experience may be affected negatively by housing discrimination. And sometimes the only way to stop continued illegal practices is for the injured party to file a report and have the matter investigated by | more...

 
HUD Announces Hurricane Aid For The Virgin Islands

HUD Announces Fair Housing Act Charges, Settlements

The Department of Housing and Urban Development has announced a new Fair Housing Act case in Florida, and settlements of similar cases in two other states. According to a press release at the HUD official site, ” The U.S. Department of Housing and Urban Development (HUD) announced today that it is charging landlords in South Florida with discrimination against tenants with disabilities. Meanwhile, HUD is announcing separate agreements with landlords in Nevada and Massachusetts resolving similar charges.” According to the press release HUDNo.16-169, “HUD charged the owner of Hillcrest East Building No. 22, a multifamily development in Hollywood, Florida; the propertys management company, Rhodes Management; and a previous president of the homeowners association with housing discrimination for failing to make reasonable accommodations, publishing discriminatory notices and statements, and attempting to | more...

 
Can I Add Energy-Efficient Upgrades To An FHA One-Time Close Construction Loan?

HUD Announces Settlement In Illinois Fair Housing Case

A press release on the HUD official site announces that the U.S. Department of Housing and Urban Development has reached an agreement between the East Chicago Housing Authority and a fair housing organization, “resolving multiple complaints of housing discrimination” according to the press release. Acting on behalf residents in the area, the Sargent Shriver National Center on Poverty Law alleged the East Chicago Housing Authority violated the Fair Housing Act, Title VI of the Civil Rights Act of 1964, and Section 504 of the Rehabilitation Act, “with respect to the relocation of residents at West Calumet Housing Complex due to soil surrounding the complex being contaminated with lead and arsenic.” The HUD press release states that, according to the complaint, “the housing authority engaged in discriminatory housing practices in its | more...