Fair Housing
COAH (Council on Affordable Housing) in New Jersey was created to:
ARegulate mortgage lending
BAdminister and enforce municipal affordable housing obligations under Mount Laurel✓ Correct
COversee real estate broker licensing
DManage Section 8 vouchers statewide
Explanation
COAH was established by the Fair Housing Act of 1985 to administer New Jersey's affordable housing obligations and provide a mechanism for municipalities to satisfy their Mount Laurel obligations.
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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.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
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.
State-Specific Concepts
Broker Supervision
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