Join us in celebrating Fair Housing Month
Having a roof over your head is more than something to be thankful for - it's your right. As you move through life and pursue your goals, it's vital that you have a safe and stable place to live, regardless of your race, religion, sex, or any other factors. That's why the Fair Housing Act was created and also why we celebrate Fair Housing Month each April. Knowing how the law impacts you and others will not only help to end housing discrimination but also perpetuate the growth of sustainable, thriving communities across the country.
The Fair Housing Act was passed on April 11, 1968, just one week after the assassination of Martin Luther King, Jr. The law was born out of a need to provide housing access to all Americans, especially minorities such as African Americans and Hispanics, who, at the time, were prevented from purchasing or renting homes in certain areas due to their race or national origins.
The passage of the Fair Housing Act was a significant victory for American civil rights, and today it continues to protect people from discrimination when buying, renting, or selling a home. More specifically, the law prohibits discrimination from any party on the basis of race, color, national origin, religion, sex, familial status, or disability.
In other words, when it comes to housing, no one can be treated differently based on their association with one of the protected classes.
Whether you're buying, renting, or selling a home, there are rights and responsibilities for everyone involved. This includes you, the seller or landlord, the mortgage lender, the real estate agent, and anyone else who's a part of the process.
Below are several actions that the law prohibits. For a full list, visit HUD.gov
In the sale or rental of a home:
- Refusing to rent or sell
- Making housing unavailable or denying a dwelling
- Setting different terms, conditions or privileges for a sale or rental
- Falsely denying that housing is available for inspection, sale, or rental
- Discriminating against families with one or more children under 18 living in the household
In mortgage lending
- Refusing to make a mortgage loan
- Refusing to provide information regarding loans
- Imposing different terms or conditions on a loan, such as different interest rates, points, or fees
Here at Franklin Loan Center, we are committed to providing equal housing opportunities for everyone. When you work with us, we'll do our best to help you achieve your goals of homeownership by helping you find home financing that's right for you.
Contact us to learn more about how we can help you
with your home financing needs.
This letter is for information purposes only and is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. Program rates, terms and conditions are subject to change at any time. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 4131316 NMLS #237653