Fair Housing
In West Virginia, which type of fair housing violation involves a lender offering inferior loan terms to qualified minorities compared to similarly qualified white applicants?
ASteering
BRedlining
CPredatory lending / differential treatment in lending✓ Correct
DBlockbusting
Explanation
Offering inferior loan terms (higher interest rates, larger down payments, additional fees) to qualified minority applicants compared to similarly qualified white applicants is illegal differential treatment in lending, violating both the Fair Housing Act and the Equal Credit Opportunity Act.
Related West Virginia Fair Housing Questions
- Under the Fair Housing Act, which of the following is an example of 'disparate impact' discrimination?
- A West Virginia apartment complex markets itself as '55+ housing for older persons.' To qualify for this exemption from familial status requirements, what percentage of units must be occupied by persons 55 or older?
- A West Virginia landlord who establishes a blanket policy of refusing to rent to anyone who has ever been convicted of any crime may face:
- A West Virginia housing provider who requires a larger security deposit from tenants with disabilities to cover potential modifications is:
- A West Virginia real estate agent tells a prospective buyer there are 'no available listings in that area' when in fact there are listings, because the buyer belongs to a protected class. This is an example of:
- Under the Fair Housing Act, a landlord must allow a tenant with a visual impairment to keep a guide dog even if the building has a strict no-pets policy. This is an example of:
- A West Virginia seller who instructs their listing agent to 'find a buyer who fits the neighborhood' is potentially asking the agent to:
- Under the Fair Housing Act, a person who files a housing discrimination complaint with HUD must do so within:
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