Essay On Housing Discrimination

Many professionals recognize the benefits of assistive animals for people with physical disabilities. This includes seeing-eye dogs that are trained to alert owners to environmental hazards. Some policies may be hard to change, but are required if needed. One well known policy

In the article The Construction of the Ghetto by Massey and Denton, there are several policies and practices that still has its effect on racial structure today. Among the several practices and policies are the Government Issue (GI) Bill for veterans and housing loans. At a political view, the GI Bill for veterans helped them buy houses at a lower price due to their contribution in the war. Since White veterans have the GI Bill, they moved out to the suburbs during 1940-1970, which was during the time of suburbanization. Because Black veterans did not receive the GI Bill, they were unable to move out and buy houses. This effect is still present today, considering that in the statistics, Blacks are less likely than Whites to own houses.

The author explained how the government established policies and initiatives that created ghettos and suburbs. The Federal Housing Administration (FHA) is a program that helped citizens become homeowners by lending loans. However, only certain neighborhoods qualified for those loans. Research and data were used to prove that certain areas were considered a loss of investment. The

For the past fifty years the shift from meeting the housing needs of the poor through government projects-based housing to a more individual approach, has been slowly implemented. Housing vouchers now enable underprivileged populations to move from high-poverty, segregated neighborhoods to more un-segregated, low-poverty neighborhoods. Low-poverty neighborhoods have less crime, better opportunities for employment, and more diverse schooling options. Some housing advocates however, contend that housing assistance is unnecessary and is an income subsidy that should be combined with other social safety nets (Clark, W. 2008).

Access to resources has been historically constrained in the U.S. on the basis of ethnicity, race and most recently class. This differential access to resources is a result of overt structural forces that create barriers to employment, housing, education and neighborhood investment. The political policy of “redlining” is a great example of how public policy can affect access to resources. This policy selectively avoided giving mortgages to individuals living in predominantly Black

Despite increased diversity across the country, America’s neighborhoods remain highly segregated along racial and ethnic lines. Residential segregation, particularly between African-Americans and whites, persists in metropolitan areas where minorities make up a large share of the population. This paper will examine residential segregation imposed upon African-Americans and the enormous costs it bears. Furthermore, the role of government will be discussed as having an important role in carrying out efforts towards residential desegregation. By developing an understanding of residential segregation and its destructive effects, parallels may be drawn between efforts aimed at combating

Many of the housing uses zoning power delegated by government officials to assure that certain races such as blacks don’t move into their neighborhood. Zoning power is regulating the use of land by state governments and local governments to exercise authority over privately owned real

What I learned this week which I found most interesting is the evolving situation of housing segregation in this country. If I would have been asked why our country is still so segregated I would say that this situation is due to the fact that we had Jim Crow laws in effect only 60 years ago and many communities have just not changed that much since then. What I wouldn’t have guessed is the widespread extent to which the races intentionally segregate themselves. Less than 50% of both blacks and whites say they want to live in a community of people who look like them. However when people actually choose their home 74% of whites end up in white communities and 66% of blacks end up living in black communities. (Chang, Alvin) Whether it is basic

Wilson (2011) research proves that the Federal Housing Administration (FHA), contributed to the early decay of inner city neighborhoods by withholding mortgage capital and making it difficult for these areas to retain or attract families who were able to purchase their own homes. As the federal government created this program it excluded certain inner city neighborhoods. This exclusion created “redlining” which assessed primarily on racial composition. People who wanted to get out of public housing and purchase a home in a redlined neighborhood were denied proper mortgages, even if they had sufficient funds. Wilson (2011) says that such restrictions such redlining restricted many opportunities for building or even maintaining quality housing in the inner city, which in many ways set the stage for urban blight that many Americans now associate with black neighborhoods. Policies like this one were created to make blacks stay in the inner city

Different areas of the private sector took control of the racial segregation. Areas such as real estate, banks, labor, and toxic waste locations have participated in some way to continue the segregation and inferiority of people of color. “African Americans and other communities of color are often victims of land-use decision making that mirrors the power arrangements of the dominant society” (Bullard [1994]2004:269). The land-use decisions are used by the real estate industry. The real estate industry along with the bank industry have worked together in order to make it almost impossible for people of color to acquire their own homes. When individuals of color do obtain their own homes the real estate industry corrals them all into one zone. Then the banks charge homeowners in these zones high interest rates on the mortgages needed to maintain their home ownership. “Zoning is probably the most widely applied mechanism to regulate urban land use in the United States” (Bullard [1994]2004:269). When people of color are corralled into a neighborhood the quality of the neighborhood is diminished. The

In “The Complexities and Processes of Racial Housing discrimination” by Vincent J. Roscigno, Diana L. Karafin, and Griff tester, the main concept of racial disparity and inequality among neighborhoods is discussed, and how those inequalities became to be. They first highlight the wide range of potentially exclusionary practices, through qualitative and quantitative data comprised of over 750 verified housing discrimination cases (Roscigno, p. 162). Citing the U.S. Census, it is found that Blacks, compared to Hispanics and Asians, continue to experience high levels of residential segregation. This is done through discriminatory practices, whether they be by exclusionary or non-exclusionary methods. Even after the passing of the Fair Housing Act in 1988, discrimination against Blacks and Hispanics decreased somewhat, though African Americans still appeared to take part in racial steering, and Hispanics continued to have limitations in regards to opportunities and access to rental units (Roscigno, p. 163).

As he pointed out in the very early part of his article, for instance Clyde Ross, resident of North Lawndale Chicago, was denied when he first tried to get a legitimate mortgage; mortgages were effectively not available to black people (Coates, June 2014). Also, just like what we talked about in class last week, Ross and many other black families were forced to live in those redlined neighborhoods with “contract house.” Basically, Ross had not signed a normal mortgage. He’d bought “on contract”: a predatory agreement that combined all the responsibilities of homeownership with all the disadvantages of renting—while offering the benefits of neither (Coates, June 2014). This is a perfect example of how these ghetto-neighborhoods were created; it was created by white supremacists and people in the government who chose to ignore “the elephant in the room.” All these black families left with no choice. They ran from the South, thinking that they could finally go the land of the free. They quickly found out that, it was no different in the North, or even the West. They were forced to stuck with the

It was a way to constraint African Americans to areas that were far away from those with status, class, and power. Segregation led to discrimination in economic opportunities, housing, and education. The black culture has suffered from the barriers that were placed through segregation. However, the Civil Rights Act of 1964 and the Fair Housing Act of 1968 tried to limit some of the discrimination associated with segregation. It was discovered that even a “rising economic status had little or no effect on the level of segregation that blacks experience” (Massey and Denton 87). The authors imply that “black segregation would remain a universal high” (Massey and Denton 88). The problem with the continuing causes in Segregation is that even though the Fair Housing act was placed, many realtors still discriminate against blacks “through a series of ruses, lies, and deceptions, makes it hard for them to learn about, inspect, rent, or purchase homes in white neighborhoods” (Massey and Denton 97). Segregation and discrimination have a cumulative effect over time. Massey and Denton argued that the “act of discrimination may be small and subtle, together they have a powerful cumulative effect in lowering the probability of black entry into white neighborhood” (98). William Julius Wilson had

Chinatown, Olvera Street, and Compton all contributed to culturally diversity and the expansion of Los Angeles. Although Los Angeles has become rich in cultures, its evolution did not go without racial tensions and segregation. With the arrival of blacks from the south, white-Los Angeles did always recognize the minority community. Angelenos did not always embrace diversity with pride, but perhaps the sad part is not the fact that racial segregation took place, but the fact that it was not created by just the individual, but also by the organization. Federal programs like the Federal Housing Administration (FHA) and the Homeowner’s Loan Corporation (HOLC) divided up Los Angeles into a complex socio-economic racial-class system. The influences of the local level influenced the federal level and revolutionized the finance industry. (Avila, lecture 2/5/02) These federal organizations blatantly labeled minorities as derogatory, uneducated, second-class citizens that brought down property value in “white” neighborhoods. Latinos and Black were often labeled as a “minority problem” and even as a “disease” on official HOLC documents. The HOLC implemented strict government guidelines and kept maps of white neighborhoods confidential. It also devised a formal and uniform style of appraising homes by breaking neighborhoods into race classifications by letter. As Waldie states, “The Montana Land Company made it clear that lots were

The lack of affordable housing in the United States is a problem that doesn 't receive nearly the attention that it necessitates. This absence of affordable housing became especially prevalent following World War II when suburbanization spread across the country like wildfire. Although the sheer number of homes increased, Jim Crow segregation influenced housing policy, meaning that white institutions prevented blacks from obtaining the mortgages needed to afford such homes. Therefore, rather than accept subprime loans, which often result in foreclosure, many black people have been pigeonholed into paying exorbitant rates for dilapidated rental properties located in inner-cities, thereby creating the affordable housing problem. Although the situation seems bleak, with careful planning and execution, we can solve the affordable housing problem. Specifically, my proposal involves the following two components: the government must first revise and draft three forms of legislation that create strict yet concise standards that landlords must follow, and then allocate federal funding to health and wellness programs within poor communities. By examining the contributing societal factors to the lack of affordable housing in Milwaukee, Wisconsin, and then implementing the proposal mentioned above, one could potentially solve the affordable housing problem there and transpose the plan to other impoverished cities across the country.