History of housing discrimination in the United States

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The National Association of Real Estate Brokers (NAREB) is a trade network and organization of black professionals in real estate popular for the promotion of democracy in housing and soliciting public policies that offer security and improve sustainable homeownership.

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The members of the firm known as Realtists are dispersed in different chapters across the United States. These Realtist members are real estate brokers and experts from other industries like appraisers and £mortgage brokers.

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NAREB acts as the major network of Black Real Estate experts. Its president, Lydia Pope stated that its objective improves the business and professional situation of the members of the NAREB Realtists by solidifying the consumer situation of minority, Black, and new target industry sectors that are served by Realtors.

Also, NAREB is responsible for promoting the real estate market using the political, economic, social, and legal advantages to remediate differences and prejudiced property and housing ownership practices in the country.

History of NAREB

NAREB was established in 1947 in Tampa Florida. Initially, it was a civil right advocacy and opportunity firm for African American real estate experts, consumers, and communities.

For many years now, NAREB has influenced and assisted in the execution of fair housing, equal rights, community growth legislation, and equal opportunity throughout the country. According to NAREB, it has assisted in the implementation of several regulations and policies which includes the first local fair housing policy in New York, which was enacted in 1962. Also, NAREB has labored in the creation of fair housing policies enacted in 1963 in California.

Currently, the firm is admitting any individual that promotes democracy in housing.

What do people call the members of NAREB?

NAREB members are popularly called Realtists. Realtist is a trademarked name for a member of NAREB, just like Realtor is a trademarked name used to refer to the professional members of the National Association of Realtors (NAR).

Pope stated that the realtist name is very vital to members as it offers them a sense of belonging and becoming a part of something huge.

Pope stated that it is crucial when the demography of the members is considered. NAREB members usually perform in individual real estate locations that do not fall under any significant franchise system.

What differentiates a Realtist from a Realtor?

Part of the members in NAREB could be Realtors. However, a Realtist might stand in the gap for other real estate market disciplines. Realtist can also be loan officers, mortgage lenders, or appraisers.

History of housing discrimination in the United States

In the US, homeownership has been considered an avenue to build wealth and create financial security for a long time. However, based on history, the nation’s laws were developed to benefit households that are white.

Over the past century, Black households, for example, were exempted from acquiring affordable homes. For example, while the Federal Housing Administration (FHA) provides white families with private loans to secure low-cost home buys. State benefits and subsidies are usually not available to black households.

Environments, where families of colored lived, were usually red-mapped, demarcated, or color-coded on maps. Loans for these families and households are usually not insured by the FHA as well as private lenders.

Other discriminatory activities that are carried out are racial prejudicial agreements that indicated that a specific home can only be acquired by a white household. In a couple of other examples, veterans that served in World War II, that are African American were restricted from the GI Bill benefits that offer home loans secured by the federal government with zero advance payment. Private lenders with prejudice towards black borrowers created this loan.

Subsequently in the 1960s, community zoning policies that demands significant lot sizes for homes increased the prices of homes, which caused more discriminatory entrenchment of housing and reduced home buying options for black households.

These are just a few of the instances of unfair housing prejudice in the United States, which has its consequences.

Pope said that the current racial wealth gap is caused by the distinctiveness in homeownership and home equity is the key to family wealth.

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