The Transformation Of Housing Discrimination Toward African American

To some, it can be argued that segregation was ended in 1954 so if housing is a problem, why don’t African American people just move. The issue is due to several programs that were created in the twentieth century that has held back minorities from homeownership. This lack of ability to be able to purchase and own a home on equal terms with white homeowner had a damaging effect of impacting

Imagine being denied a place to live, just because of the color of your skin. Many people faced this discrimination prior to the act of 1968. The Fair Housing Act of 1968, and the influencers behind it allowed for an equal opportunity of housing to all people, no matter their color, race, religion, national origin, disabilities, or familial status.

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

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).

This power helped white families considerably in gaining ownership of houses, but severely crippled home ownership ability for African American families. The role of the HOLC was to provide low interest loans and refinance homes to prevent foreclosure; the role of the FHA was to guarantee mortgages from default. Both of these organizations worked to minimize the risk of home loans for banks, making it easier for families to obtain loans and mortgages to buy homes. This resulted in an explosion of home ownership from the 1930’s to the 1960’s, “In 1930, only 30 percent of Americans owned their homes; by 1960, more than 60 percent were home owners.”

The African American culture has experience a lot of things, we have experience being discriminate because the color of our skin. African American has heirted power from our ancestor to fight for what we believe in.During slavery time we could experience privilege because we was control by the master and we did have a choice to decide things, we did not have the privilege to have education.The paragrarph below will go into more detail how African American was discriminate, how they have power and what privilege they had.

It was 1947, eight years before Mississippi lynched Emmett Till. The Great Migration was a mass exodus of six million African Americans out of the South that spanned most of the 20th century. Blacks did not journey north seeking better wages and work. Rather, they were fleeing the acquisitive warlords of the South. They were seeking the protection of the law. From the 1930-60s Blacks across the country had no access to legitimate home mortgages. This happened through means both legal and extralegal. In 1935, the Federal Home Loan Bank Board (FHLBB) asked Home Owners ' Loan Corporation (HOLC) to look at 239 cities and create "residential security maps." The purpose was to show the level of security for real-estate investments in each city. The resulting redlining caused a large increase in residential racial segregation and urban decay. Redlining denies services to residents of certain areas based on racial or ethnic criteria. John McKnight, a sociologist and community activist, coined the term in the late 1960s. The term comes from the practice of marking a red line on a map to delineate the area where banks would not invest. In addition to redlining, many Chicago Whites employed other measures to keep their neighborhoods segregated and to discourage non-white home buyers, including restrictive covenants and even bombings. Further, such local measures received broader support, including from a prominent national real estate

Since the end of the Second World War, the housing market had blossom throughout the nation. Thousands of the American people and veterans were able to finance a home; however, there were many who were not given the same or equal opportunities. In A Matter of Place, the documentary argued that people are still facing housing discrimination in the U.S. Housing discrimination persist because a couple were denied housing due to their race and a man was solely harassed based on his sexual orientation.

“Gatekeepers and Homeseekers: Institutional Patterns in Racial Steering';, is an informative article that touches upon many of the key points gone over in class. This article deals with the difference in the way blacks and whites were and are treated, past and present, by real estate agents when shopping for a new home. In the study, one can see that blacks were not treated as fairly as white people in the real estate market were. Many times the potential black homebuyers were discouraged from purchasing homes in the same areas that the agent would readily show a white homebuyer. The real estate agent played a very peculiar role in doing this. They were, in essence, the racist gatekeepers of a seemingly non-racist neighborhood.

In order to support his opinion, the author uses historical references to the enormous impact of racial inequality on African American lives. Additionally, Desmond names a set of historical data and rates of the poor African Americans in cities to enhance the reader’s understanding of this complex situation. African Americans were also more likely to get the apartment with broken furniture, windows, and other facilities that confirmed the existence of racial inequality (Desmond, 2016, p.249). To reassert his position, Desmond provides offensive statistics that millions of people are evicted from American homes, and most of them are African American (Desmond, 2016, p.293). As a matter of fact, the author proves that housing discrimination based on race is the primary cause of

With the amount of power and funding the Federal Housing Administration (FHA) had, various policies and laws were created with the sole purpose of prohibiting the selling of houses to African-Americans. To fulfill this, property owners and builders positioned an infinite number of barriers to African-Africans. Advocates for these barriers genuinely believed that racial exclusions would further improve their property values. However, as viewed in both chapter five and six of The Color of Law, racial integration actually increases property value. Given that many African-Americans had little to no housing alternatives and desired to escape from urban communities, the demand for single-family and duplex houses rose. Specifically, the Country Club

One legacy of discriminatory policies is that African American families today are more vulnerable to foreclosures, which destroys a large amount of their wealth. According to a study by Shapiro et al. of Brandeis University in February 2013, “Homes are the largest investment that most American families make and by far the biggest item in their wealth portfolio. Homeownership is an even greater part of wealth composition for black families, amounting to 53 percent of wealth for blacks and 39 percent for whites. Yet, for many years, redlining, discriminatory mortgage-lending practices, lack of access to credit, and lower incomes have blocked the homeownership path for African- Americans while creating and reinforcing communities segregated by race. African-Americans, therefore, are more recent homeowners and

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