The purchase of a home is one on the biggest life changing acts one will ever undertake in their lifetime. Everyone deserves to be able to live the American dream and achieve home ownership. It was for this reason the Fair Housing Act of 1968 was implemented.
The Fair Housing Act
The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities
Civil Rights Act Of 1968
On April 11, 1968, President Lyndon Johnson signed the Civil Rights Act of 1968. The 1968 Act expanded on previous acts and prohibited discrimination concerning the sale, rental, and financing of housing based on race, religion, national origin, sex, (and as amended) handicap and family status.
What Types of Housing Are Covered?
The Fair Housing Act covers most housing. The Act exempts owner-occupied buildings with no more than four units, single-family houses sold or rented by the owner without the use of an agent, and housing operated by religious organizations and private clubs that limit occupancy to members.
The Fair Housing Act makes it illegal to harass persons because of race, color, religion, sex, disability, familial status, or national origin. Among other things, this forbids sexual harassment basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity.
In Mortgage Lending
It is illegal discrimination to take any of the following actions based on race, color, religion, sex, disability, familial status, or national origin:
– Refuse to make a mortgage loan or provide other financial assistance for a dwelling
– Refuse to provide information regarding loans
– Impose different terms or conditions on a loan, such as different interest rates, points, or fees
– Discriminate in appraising a dwelling
– Condition the availability of a loan on a person’s response to harassment
– Refuse to purchase a loan
State and Local Laws
State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by federal law.
REALTORS® shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. REALTORS® shall not be parties to any plan or agreement to discriminate against a person or persons on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. (Amended 1/14) REALTORS®, in their real estate employment practices, shall not discriminate against any person or persons on the
Realtor Fair Housing Declaration
– Provide equal professional service without regard to the race, color, religion, gender (sex), disability (handicap), familial status, national origin, sexual orientation or gender identity of any prospective client, customer, or of the residents of any community.
– Keep informed about fair housing law and practices, improving my clients’ and customers’ opportunities and my business.
– Develop advertising that indicates that everyone is welcome and no one is excluded; expanding my client’s and customer’s opportunities to see, buy, or lease property.
– Inform my clients and customers about their rights and responsibilities under the fair housing laws by providing brochures and other information.
– Document my efforts to provide professional service, which will assist me in becoming a more responsive and successful REALTOR®.
– Refuse to tolerate non-compliance.
– Learn about those who are different from me, and celebrate those differences.
– Take a positive approach to fair housing practices and aspire to follow the spirit as well as the letter of the law.
– Develop and implement fair housing practices for my firm to carry out the spirit of this declaration.
To File a Complaint if you believe you’re a victim of housing discrimination:
You can speak with an FHEO intake specialist by calling 1-800-669-9777 or 1-800-877-8339.
You can also call your regional FHEO office at the phone numbers on this list.