Fair Housing
Fair Housing: It protects you, its the law.
Laws That Protect You
Federal and state fair housing laws were put into effect to create an even
playing field for homebuyers in all areas of a real estate transaction.
These laws prohibit discrimination based on race, color, religion, sex,
disability, familial status, and national origin.
Civil Rights Act of 1866
The federal Civil Rights Act of 1866 prohibits all racial discrimination
in the sale or rental of property.
Civil Rights Act of 1968 and 1988 Amendment
In leasing or selling residential property, the Civil Rights Act of 1968
expands the definition of discrimination to include not only race, but
also national origin, color, and religion. The Fair Housing Amendments Act
of 1988 further broadens the definition to include age, sex, and
handicapped status.
Fair Housing Act
The federal Fair Housing Act of 1988 and Title VIII of the Civil Rights
Act of 1968 constitute the Fair Housing Act. The Act makes fair housing a
national policy throughout the U.S. It prohibits discrimination in the
sale, lease or rental of housing, or making housing otherwise unavailable
because of race, color, religion, sex, disability, familial status or
national origin.
Americans with Disabilities Act
Title III of the federal Americans with Disabilities Act prohibits
discrimination against persons with disabilities in commercial facilities
and places of public accommodation.
Equal Credit Opportunity Act
The federal Equal Credit Opportunity Act makes it unlawful to discriminate
against anyone on a credit application due to race, color, religion,
national origin, sex, marital status, age or because all or part of an
applicant's income comes from any public assistance program.
Know Your Rights and Responsibilities
Home sellers, prospective homebuyers, real estate agents, mortgage brokers
and loan officers all have rights and responsibilities under the law.
Sellers' Responsibilities
As a home seller or landlord, you are obligated not to discriminate in the
sale, rental or financing of your property on the basis of race, color,
religion, sex, disability, familial status or national origin. Also, you
cannot do so through your licensed broker or salesperson, who is also
bound by anti-discrimination laws. You may not set any discriminatory
terms or conditions in a purchase contract or a lease. Additionally, you
may not deny that housing is available or advertise a property's
availability only to persons of a certain race, color, religion, sex,
disability, familial status or national origin.
Real Estate Professionals' Responsibilities
Real Estate agents, mortgage brokers and loan officers in a real estate
transaction may not discriminate on the basis of race, color, religion,
sex, disability, familial status or national origin. Equally as important,
they may not follow such instructions from a home seller or landlord.
What To Do if You Feel the Law Has Been Violated
Discrimination complaints about housing may be filed with the nearest
office of the U.S. Dept. of Housing and Urban Development (HUD) or by
calling HUD's telephone numbers, (202)708-1112 (Voice) or (202)708-1455
(TTY). Or contact HUD on the Internet.
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