How do you counter minority homeseeker discrimination? Education.
Originally Posted by rhodey
In this day and age, MLS listings are no longer closed off the general public. There are any number of resources for a home buyer that allows them to search their market for ANY home in ANY neighborhood they would like within their own self-imposed price & requirement limits. They can find the houses they want to look at and tell their agent which ones, and go look.
Beyond that, it is not uncommon for real estate agents to set up queries against their own internal MLS listings based on the standard options (number of bedrooms, sq footage, number of bath's, price etc) that searches the entire MLS database and emails the customer a list of properties that meet those criteria. It's all automatic, there's no special query for "black folks" etc.
If an agent isn't living up to the expectations of the homebuyer and showing them all properties they are interested in/can afford, not only is that a lawsuit waiting to happen but you can terminate your contract with that agent and move to another (probably with a much larger lump sum to put down after that lawsuit is settled).
As far as lending discrimination, in this day and age, the entire loan process is navigable without ever even seeing your lender in person. There is no form to fill out that requires an indicator of race and the equations used to determine loan availability are universal. You are also able to request financing by multiple lenders to find the best deal for your own situation.
If a lender asks you a question regarding race, that is also a potential lawsuit and with little effort you can move on to another lender.
Racial steering in housing was most definitely rampant decades ago, and I would not be surprised to see it still in play in certain areas, but the education of the consumer is the only way to address that and stop it in these holdout areas.
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