The Fair Housing Act was developed in 1968 also known as the civil rights act, which prohibited discrimination with the sale, rental and financing of housing based on race, religion, national origin and gender.
The department of Housing and Urban Development played a lead role in helping the Fair Housing Act come into play. There have been certain amendments in 1988 that have increased the departments enforcement role. Newly protected classes have proven significant sources Of New Complaints. As we are well into the 21st century, we can expect more amendments to the Fair Housing Act. For instance, in 1995, changes were made to the 55 and older exemption. Since 1988, Fair Housing Act has exempted from its familial status provisions properties that satisfy 55 and older housing conditions. But since then, it has eliminated the requirement that 55 and older people have significant facilities and services designed for the elderly. The fair Housing Act can no longer discriminate against those 55 and over, unless a particular complex, building or community sets those rules in place.
Today, the act protects those against discrimination based on race, color, national origin, religion, sex, disability and the presence of children. This act covers the most housing but in some circumstances it may exempt owner occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members.
Of course there are exemptions and provisions but generally speaking, no one can discriminate against these protected classes. Other classes that are typically protected are those with disabilities. For instance: a landlord could not discriminate renting or selling to a person if they have a service animal even if the building prohibits pets or animals of any kind.
This also goes for financing as well. Lenders and mortgage brokers may not discriminate against anyone based on these main differences. They cannot refuse to make a mortgage loan, refused to provide information regarding the loan, discriminate in appraising property or set different terms or conditions for purchasing alone.
For anyone who thinks they may have been violated you must tell HUD the dates to the alleged violation, a short description, the address or defecation of the housing or mortgage broker involved, your name and address and the name and address of the person your complaint is against.
The Fair Housing Act is there to protect all of us but it doesn't mean that it won't get violated from time to time. You need to know your rights and if you feel you're being discriminated against, do something. Everyone should have the same chance to apply for a loan and obtain a home based solely on financial variables.
For more information fill free to visit our associate at Nutshell Realty or to learn more about significant recent changes to the Act.