While the Fair Housing Act and HUD's Office of Fair Housing and Equal Opportunity prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status or national origin, there’s no question that it happens. The law is very specific and relates to both the sale of a home and a lenders’ decision to grant you a loan to buy the home of your choice.
If you feel a lender or any other person involved in the home-buying process has discriminated against you, you have the option to file a private legal action against that person or complain to a state, local or federal administrative agency. It would be a good idea to talk to an attorney about the matter, but if you can’t afford one, you can ask the federal agency that enforces the Fair Housing Act (ECOA or HUD) about your rights concerning these laws.
There are often differences in the types and amounts of settlement costs charged to the borrower, and as long as they are based on credit-worthiness, they are not discriminatory. If however, you suspect that items on your settlement document, particularly those listed on the lines 808-811 on the HUD-1 settlement statement, are different from those of your friends and neighbors, that may well be proof of discrimination.
Unlawful discriminatory practices based on race, color, national origin, religion, sex, familial status or handicap (disability) as defined by the Fair Housing Act include, but are not limited to: the refusal to make a mortgage loan, the refusal to provide information regarding loans, the imposition of different terms or conditions on a loan, such as different interest rates, points, or fees and discrimination in appraisals of property.
If you have experienced any one of the above actions, you may be the victim of discrimination. Recognizing the signs of lending discrimination is the first step in filing a complaint. HUD investigates your complaints at no cost to you. If you believe you have experienced lending discrimination, visit our housing discrimination complaint website to learn more about the complaint process. (https://portal.hud.gov/portal/page/portal/HUD/topics/housing_discrimination).
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