Fair Housing
AFFH (Affirmatively Furthering Fair Housing) requires HUD recipients to:
ABuild only affordable housing
BTake meaningful steps to overcome historic patterns of segregation and promote housing choice✓ Correct
CReport all housing transactions to HUD annually
DProvide down payment assistance to all protected classes
Explanation
AFFH requires recipients of HUD funding to affirmatively take steps to overcome patterns of segregation, foster inclusive communities, and promote housing choice for protected classes.
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Key Terms to Know
Fair Housing Act
Federal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
Private Mortgage Insurance (PMI)Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.
SteeringAn illegal practice where a real estate agent directs buyers toward or away from certain neighborhoods based on the buyer's race, religion, national origin, or other protected characteristics.
BlockbustingAn illegal practice of inducing homeowners to sell by claiming that the entry of minority groups will lower property values.
Math Concepts
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