Fair Housing Agencies File HUD Complaint Against Bank of America
|
|
- Brendan Barton
- 7 years ago
- Views:
Transcription
1 Fair Housing Agencies File HUD Complaint Against Bank of America A Tale of Two Recoveries: Bank of America s failure to maintain and market bank-owned homes in African American and Latino neighborhoods across the United States
2 Introductions National Fair Housing Alliance Shanna L. Smith, President/CEO Washington, DC Miami Valley Fair Housing Center Jim McCarthy, President/CEO Dayton, Ohio Fair Housing Center of West Michigan Nancy Haynes, President/CEO Grand Rapids. MI Metro Fair Housing Services, Inc Gail Williams, Executive Director Atlanta, George Housing Opportunities Project for Excellence (HOPE, Inc.) Keenya Robertson, President/CEO Miami, Florida North Texas Fair Housing Center Frances Espinoza, Executive Director Dallas, Texas Cohen Milstein Sellers & Toll PLLC Peter Romer-Friedman, Esq. Washington, DC
3
4 Purpose of Investigation Overall, Bank of America s Real Estate Owned (REO) properties have suffered from a disproportionate amount of negligence and maltreatment in communities of color. Beginning in 2009 and continuing through the present, we investigated how Bank of America maintains and markets its REO properties nationwide. In , we evaluated 373 single-family and townhome REO properties owned by Bank of America in eight metropolitan areas This investigation revealed significant racial disparities in maintenance and marketing in all eight metropolitan areas.
5 Methodology for Investigation Neighborhoods selected for investigations were made up of predominantly African-American residents, Latino residents, Non-White residents, and/or White residents. Neighborhoods selected had recent high foreclosure rates of Bank of America REOs located in the zip codes evaluated. 100% of REOs of Bank of America were evaluated within the zip codes.
6 Evaluation Measures Curb Appeal Accumulated mail, trash, overgrown or dead grass/shrubbery, invasive plants Structure Unsecured/broken doors, locks, windows, damaged roof, fence, deck, holes, wood rot Signage Trespass/warning signs, bank owned, For Sale signs, broken/discarded signs, unauthorized occupancy
7 Evaluation Measures Paint/Siding Graffiti, severe peeling/chipped paint, damaged siding, missing/broken shutters Gutters Missing, out of place, broken, hanging, obstructed Water Damage Mold, water damage, erosion Utilities Tampered with or exposed
8 It s the Law Peter Romer-Friedman Cohen Milstein Sellers & Toll PLLC
9 Federal Fair Housing Act The differing maintenance of REO properties based on the racial or ethnic composition of neighborhoods is a violation of the Fair Housing Act. HUD s regulations clearly state that failing or delaying maintenance or repairs of sale or rental dwellings because of race... is a prohibited action under the Fair Housing Act.
10 Federal Fair Housing Act Steering by real estate agents based on neighborhood racial composition is illegal and other behavior in the sale or rental market that operates to discourage potential buyers from purchasing or renting homes, such as by failing to adequately maintain properties in communities of color, can also violate the Act. It is unlawful to make unavailable or deny housing to any person because of race, national origin... If the poor maintenance of an REO property in an African- American or Latino neighborhood makes it difficult for a potential purchaser to obtain a mortgage loan for the property, the poor maintenance has made the housing unavailable within the meaning of the Act.
11 Federal Fair Housing Act The Fair Housing Act has two goals: to eliminate housing discrimination and to promote residential integration HUD s regulations interpreting the Fair Housing Act state: It shall be unlawful because of race, color, religion, national origin, sex, familial status or disability to restrict or attempt to restrict the choices of a person by word or conduct in seeking, negotiating for, buying or renting a dwelling so as to perpetuate segregated housing patterns, or to discourage or obstruct choices in a community, neighborhood or development.
12 A Tale of Two Recoveries
13 East Bay Area California Oakland, Richmond and Concord Shanna L. Smith National Fair Housing Alliance
14
15 East Bay Area 52 REOs Evaluated 11 in predominantly African-African communities 5 in predominantly Latino communities 23 in predominantly non-white communities 13 located in predominantly White communities
16 East Bay Area 52 REOs Evaluated REO properties in communities of color were 4.7 times as likely as REOs in White communities to have more than 10 maintenance or marketing deficiencies. 14 REOs versus 1 REO in White neighborhoods. REO properties in communities of color were 5 times as likely as REOs in White communities to have broken doors or locks.
17 East Bay Area 52 REOs Evaluated REO properties in communities of color were 2.3 times as likely as REOs in White communities to be marketed as distressed. REO properties in communities of color were 1.6 times as likely as REOs in White communities to not have a for sale sign.
18 2737 Garden St, Oakland, CA Predominantly African-American and Latino
19 More evidence that REO is managed by Bank of America
20 Neighbors Well Maintained Homes
21 2112 Athene Dr, Concord, CA Neighborhood: Predominantly White For Sale Sign Total Number of Deficits: 4
22 Professional Sign and Clean Backyard
23 Dayton, Ohio Jim McCarthy Miami Valley Fair Housing Center
24
25 Dayton 24 REOs Evaluated 12 located in predominantly African- African communities 12 of which were located in predominantly White communities.
26 Dayton 24 REOs Evaluated REO properties in African-American communities were 2.3 times as likely as REOs in White communities to have more than 10 deficiencies. 17% of REO properties in African- American communities had more than 15 deficiencies, while none of REO properties in White communities had more than 15 deficiencies.
27 Dayton 24 REOs Evaluated REO properties in African-American communities were 2.5 times as likely as REOs in White communities to have broken gutters. 5 of the 12 REOs in African American neighborhoods had broken gutters while only 3 of the REOs in White communities had the same problem.
28 430 Timberwind Lane, Vandalia, OH Neighborhood: Predominantly White
29 430 Timberwind Lane, Vandalia, OH Neighborhood: Predominantly White While not a perfect home since its fence needs some repairs, you still see a real estate agent s lockbox indicating its available for buyers to see..
30 62 Mary Ave, Dayton, OH Neighborhood: Predominantly African-American
31 62 Mary Ave, Dayton, OH Backyard trash unsecured garage
32 62 Mary Ave, Dayton, OH Next Door Neighbors Neighbors are taking care of their homes
33 Grand Rapids Nancy Haynes Fair Housing Center of West Michigan
34
35 Grand Rapids 87 REOs Evaluated 22 located in predominantly African- African communities 3 located in predominantly Latino communities 9 located in predominantly non-white communities 53 located in predominantly White communities
36 Grand Rapids 87 REOs Evaluated REO properties in communities of color were 2.3 times as likely as REOs in White communities to have more than 10 maintenance or marketing deficiencies. 71 REOs versus 31 in White neighborhoods. 24 of 34 homes in neighborhoods of color had more than 10 problems while only 16 of 53 REOs in White neighborhoods had more than 10 problems. REO properties in communities of color were 1.6 times as likely as REOs in White communities to have substantial amounts of trash on the property. 33 of the 34 REOs in communities of color had substantial trash while only 33 of 53 homes in White neighborhoods suffered. REO properties in communities of color were 2.1 times as likely as REOs in White communities to have broken doors or locks.
37 Grand Rapids 87 REOs Evaluated REO properties in communities of color were 3.7 times as likely as REOs in White communities to have a damaged roof. (55.9% versus 15.1%) 19 of 34 homes had a damaged roof in communities of color and only 8 of 53 REOs in White neighborhoods had the same problem. 17.7% of REO properties in communities of color had graffiti, while none of REO properties in White communities had the same problem.
38 1206 Veto Street NW Grand Rapids, MI Neighborhood: Predominately White
39 1206 Veto Street NW Grand Rapids, MI Neighborhood: Predominately White Neighbors Homes
40 1262 Boston St SE, Grand Rapids, MI Neighborhood: Predominantly African-American
41 1262 Boston St SE, Grand Rapids, MI Neighborhood: Predominantly African-American Dead leaves accumulating in February 2012 and mold on back of home.
42 1262 Boston St SE, Grand Rapids, MI Neighborhood: Predominantly African-American Dead animal among trash and leaves
43 1262 Boston St SE, Grand Rapids, MI Neighbor Next Door
44 Atlanta, Georgia Gail Williams Metro Fair Housing Services
45
46 Atlanta 71 REOs Evaluated 59 located in predominantly African- African communities 1 in a predominantly Latino community 5 in predominantly non-white communities 6 located in predominantly White communities
47 Atlanta 71 REOs Evaluated REO properties in communities of color were 1.2 times as likely as REOs in White communities to have substantial amounts of trash. So this means that 40 of the 65 homes in Communities of color had substantial trash while only 3 REOs in White neighborhoods did!
48 Atlanta 71 REOs Evaluated REO properties in communities of color were 1.8 times as likely as REOs in White communities to have a broken door. This means that 20 homes in communities of color had broken doors and only 1 home in the White neighborhood did. 52 REOs in communities of color were missing a For Sale sign while only 3 homes in White neighborhoods were missing a sign.
49 2340 Larchwood St SW, Atlanta, GA Neighborhood: Predominately African American No For Sale sign leaves still on ground February 2012
50 2340 Larchwood St SW, Atlanta, GA Neighborhood: Predominately African American Leaves still in front yard in February Back deck and boarded door.
51 2340 Larchwood St SW, Atlanta, GA Neighbor s Lawn Maintained
52 3306 W Shadowlawn Ave Ne, Atlanta, GA Neighborhood: Predominantly White
53 3306 W Shadowlawn Ave Ne, Atlanta, GA Neighborhood: Predominantly White
54 Miami/Fort Lauderdale, Florida Keenya Robertson Housing Opportunities Project for Excellence, Inc.
55
56 Miami Area 25 REOs Evaluated 8 located in predominantly African-African communities 2 located in predominantly Latino communities 4 of which were in predominantly non- White communities 11 of which were located in predominantly White communities
57 Miami Area 25 REOs Evaluated REO properties in communities of color were 3.1 times as likely as REOs in White communities to have more than 10 maintenance or marketing deficiencies. 8 of 14 REO properties in communities of color in had substantial amounts of trash while only 4 or 11 REOs in White neighborhoods had the same problem.
58 Miami Area 25 REOs Evaluated 42.9% of REO properties in communities of color had damaged windows, while none of REO properties in White communities had the same problem. REO properties in communities of color were 3.1 times as likely as REOs in White communities to have a damaged roof.
59 3910 SW 82nd Terrace, Davie, FL Neighborhood: Predominantly White
60 3910 SW 82nd Terrace, Davie, FL Neighborhood: Predominantly White Professional For Sale sign. Fence around pool needs repair.
61 3910 SW 82nd Terrace, Davie, FL Neighborhood: Predominantly White Neighbor s home.
62 3912 SW 136th Ave, Miami, FL Neighborhood: Predominantly Latino
63
64 3912 SW 136th Ave, Miami, FL Neighborhood: Predominantly Latino Beautiful neighborhood
65 Dallas, Texas Frances Espinoza North Texas Fair Housing Center
66
67 Dallas 65 REOs Evaluated 31 located in predominantly African- African communities 17 located in predominantly Latino communities 6 of which were in predominantly non- White communities 11 of which were located in predominantly White communities
68 Dallas 65 REOs Evaluated REO properties in communities of color were 1.9 times as likely as REOs in White communities to have substantial amounts of trash. 48 REOs in neighborhoods of color had substantial trash while only 4 REOs in White neighborhoods had trash.
69 Dallas 65 REOs Evaluated REO properties in communities of color were 3 times as likely as REOs in White communities to have overgrown grass or leaves. 44 homes in communities of color had over grown grass while 3 REOs in White neighborhoods suffered from over grown grass.
70 Dallas 65 REOs Evaluated 13% of REO properties in communities of color were marketed as distressed, while none of REO properties in White communities had the same problem). 14.8% of REO properties in communities of color had a broken mailbox, while none of REO properties in White communities had the same problem. 20.4% of REO properties in communities of color had accumulated mail, while none of REO properties in White communities had the same problem.
71 8629 Eden Valley Lane, Dallas, TX Neighborhood: Predominantly Latino
72
73 8629 Eden Valley Ln, Dallas, TX Neighborhood: Predominantly Latino
74 1007 Ann Arbor Ave Dallas, TX Neighborhood: Predominately African American
75 1007 Ann Arbor Ave Dallas, TX Neighborhood: Predominately African American
76 1007 Ann Arbor Ave Dallas, TX Neighborhood: Predominately African American Next door neighbor
77 5935 Prospect Ave, Dallas, TX Neighborhood: Predominantly White
78 Phoenix Shanna L. Smith National Fair Housing Alliance
79
80 Phoenix 8 REOs evaluated 7 located in predominantly Latino communities 1 located in a predominantly White community
81 Phoenix 8 REOs evaluated 71% of REO properties in communities of color had substantial amounts of trash, while the REO property in a White community did not have the same problem. 71.4% of REO properties in communities of color had dead grass on more than 50% of the lawn. 71.4% of REO properties in communities of color had broken or boarded windows, while the REO property in a White community did not have the same problem.
82 Phoenix 8 REOs evaluated 85.71% of REO properties in communities of color did not have a for sale sign, while the REO property in a White community did not have the same problem.
83 8255 W Vale Drive, Phoenix, AZ Neighborhood: Predominantly Latino
84 8255 W Vale Drive, Phoenix, AZ Neighborhood: Predominantly Latino Clearly managed by Bank of America.
85 8255 W Vale Drive, Phoenix, AZ Neighborhood: Predominantly Latino Accumulated trash and leaves as well as broken glass.
86 8255 W Vale Drive, Phoenix, AZ Neighborhood: Predominantly Latino The back door to the home is left wide open Discarded tiles at the door
87 12327 N 82nd Ave, Peoria, AZ Neighborhood: White Neighborhood
88 12327 N 82nd Ave, Peoria, AZ Neighborhood: Predominately White Home is neat and clean, For Sale sign, and pool prepared and covered for safety.
89 Metro Washington, DC Shanna L. Smith National Fair Housing Alliance
90
91 Metro-Washington DC 41 REOs Evaluated 40 located in predominantly African- American communities 1 located in a predominantly White community
92 Metro-Washington DC 41 REOs Evaluated 70% of REO properties in communities of color had substantial amounts of trash, while the REO property in a White community did not have the same problem. 52.2% of REO properties in communities of color had overgrown or dead shrubbery, while the REO property in a White community did not have the same problem. 30% of REO properties in communities of color had broken doors or locks, while the REO property in a White community did not have the same problem. 37.5% of REO properties in communities of color had broken or boarded windows, while the REO property in a White community did not have the same problem.
93 Metro-Washington DC 41 REOs Evaluated 25% of REO properties in communities of color were marketed as distressed while the REO property in a White community did not have the same problem. 80% of REO properties in communities of color did not have a for sale sign.
94 1213 Dunbar Oaks, Capitol Heights, MD Neighborhood: Predominately African American
95 1213 Dunbar Oaks, Capitol Heights, MD Neighborhood: Predominately African American
96 1213 Dunbar Oaks, Capitol Heights, MD Neighborhood: Predominately African American
97 1213 Dunbar Oaks, Capitol Heights, MD Neighborhood: Predominately African American Next door neighbor
98 5984 Saint Moritz, Temple Hills, MD Neighborhood: Predominately African American
99 5984 Saint Moritz, Temple Hills, MD Neighborhood: Predominately African American
100 5984 Saint Moritz, Temple Hills, MD Neighborhood: Predominately African American Neighbors clean neat, but REO has unmaintained lawn and trash.
101 1610 U Street SE, Washington, DC Neighborhood- Predominately African American
102 1610 U Street SE, Washington, DC Neighborhood- Predominately African American Broken window, trash in front and garbage bags left in front.
103 1003 Evarts Street NW, Washington, DC Neighborhood: Predominately African American
104 1003 Evarts Street NW, Washington, DC Neighborhood: Predominately African American
105 1851 Lamont NW, Washington, DC Neighborhood: Predominately White
106 Conclusion Fair housing groups want to see communities of color that were harmed by the failure to maintain and market REOs made whole. The fair housing groups are willing and eager to move forward expeditiously through the HUD investigation and conciliation process to achieve concrete solutions to the serious civil rights issues raised in the complaint.
107 Questions The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.
Fair Housing Agencies File HUD Complaint Against Wells Fargo
Fair Housing Agencies File HUD Complaint Against Wells Fargo The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development.
More informationFair Housing Agencies File Civil Rights Complaint Against U.S. Bancorp
Fair Housing Agencies File Civil Rights Complaint Against U.S. Bancorp The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and
More informationA Tale of Two Recoveries
A Tale of Two Recoveries Discrimination in the Maintenance and Marketing of REO Properties National Fair Housing Alliance 2012 Purpose of Investigation This investigation begun by the National Fair Housing
More informationImmediate Release September 3, 2014
Immediate Release September 3, 2014 Contact: Mike Burnette, Housing Opportunities Made Equal of Virginia, Inc., (804) 354-0641 x 118, mburnette@homeofva.org Kevin Paul, National Fair Housing Alliance,
More informationCivil Rights Organizations Add Cities and New Evidence to Housing Discrimination Complaint against Bank of America
For Immediate Release September 25, 2013 Contact: Naweed Lemar 202-898-1661, ext. 119 nlemar@nationalfairhousing.org Civil Rights Organizations Add Cities and New Evidence to Housing Discrimination Complaint
More informationFair Housing Organizations File Discrimination Complaint Against US Bank
Fair Housing Organizations File Discrimination Complaint Against US Bank April 17, 2012, 2:37 p.m. EDT WASHINGTON, April 17, 2012 /PRNewswire via COMTEX/ -- National Fair Housing Alliance Alleges Discrimination
More informationFannie Mae Fails to Maintain its REO Inventory in Communities of Color
Fannie Mae Fails to Maintain its REO Inventory in Communities of Color Housing Research & Advocacy Center 2728 Euclid Avenue, Suite 200 Cleveland, OH 44115 www.thehousingcenter.org 216-361-9240 Introduction
More informationFannie Mae Fails to Maintain its Foreclosure Inventory in Communities of Color
Fannie Mae Fails to Maintain its Foreclosure Inventory in Communities of Color Miami Valley Fair Housing Center Jim McCarthy, President/CEO May 13, 2015 Introduction The Miami Valley Fair Housing Center
More informationFannie Mae Fails to Maintain its Foreclosure Inventory in Communities of Color
Fannie Mae Fails to Maintain its Foreclosure Inventory in Communities of Color Fair Housing Center of Central Indiana (FHCCI) Amy Nelson, Executive Director May 13, 2015 Contact Information Amy Nelson,
More informationLargest Property Preservation Company in Nation Continues to Discriminate in African American and Latino Neighborhoods
For Immediate Release: May 13, 2014 Contact: Deidre Swesnik, (202) 898-1661 x131 dswesnik@nationalfairhousing.org Largest Property Preservation Company in Nation Continues to Discriminate in African American
More informationunlawful conduct, and engaging in outreach and education efforts to address Respondents ongoing discrimination.
STATEMENT IN SUPPORT OF COMPLAINT OF THE NATIONAL FAIR HOUSING ALLIANCE; MIAMI VALLEY FAIR HOUSING CENTER; FAIR HOUSING CENTER OF CENTRAL INDIANA; TOLEDO FAIR HOUSING CENTER; HOPE FAIR HOUSING CENTER;
More informationFair Housing Organizations Find Bank of America Discriminates in the Midwest
For Immediate Release October 23, 2012 Contact: Cedric Ricks (202) 898-1661 x 119 cricks@nationalfairhousing.org Fair Housing Organizations Find Bank of America Discriminates in the Midwest National Fair
More informationHOUSING DISCRIMINATION Get The Facts
Tom Horne Arizona Attorney General Always remain alert and prepared to protect you and your family Arizona Attorney General s Office 1275 West Washington Street Phoenix, Arizona 85007 602.542.5025 HOUSING
More informationFair Lending Overview. Division of Depositor and Consumer Protection
Fair Lending Overview Fair Lending Regulations Equal Credit Opportunity Act (ECOA) Prohibits discrimination in any aspect of a consumer or commercial credit transaction Fair Housing Act (FHA) Prohibits
More informationLogan City. Analysis of Impediments to Fair Housing
Logan City Analysis of Impediments to Fair Housing 2009-13 Consolidated Plan Page 36 of 92 EXECUTIVE SUMMARY Analysis of Impediments The Analysis of Impediments (AI) is a comprehensive review of a jurisdiction
More informationNON-MANAGEMENT AGREEMENT (LEASE ONLY) AND EXCLUSIVE RIGHT TO LEASE
NON-MANAGEMENT AGREEMENT (LEASE ONLY) AND EXCLUSIVE RIGHT TO LEASE THIS AGREEMENT between (Manager) and (OWNER) is entered into this day of, 20 and the parties agree as follows: 1. EXCLUSIVE RIGHT TO LEASE:
More informationHealthy Homes Department Housing Rehabilitation Program County of Alameda Community Development Agency (CDA)
For CDA use only: application first received: Project ID#: Dear Homeowner: With funding and Programs available, NOW is a great time to have those needed home repairs done! Thank you for your interest in
More informationQuestions and Answers on: F A I R H O U S I N G. Q: Do the fair housing laws apply to all. A: Yes, except for the following limited exemptions:
Questions and Answers on: F A I R H O U S I N G The purpose of the fair housing laws is to protect a person s right to own, sell, purchase, or rent housing of his or her choice without fear of unlawful
More informationFactors that Affect Housing Choices
Factors that Affect Housing Choices Copyright Copyright and Terms of Service Copyright Texas Education Agency, 2013. These materials are copyrighted and trademarked as the property of the Texas Education
More informationCommon Property Maintenance Code Violations. An illustrated guide
Common Property Maintenance Code Violations An illustrated guide 1) Lawn and Vegetation Overgrown weeds, grass, or vegetation. Vegetation obstructing sidewalks, driveways, and other right of ways. Improper
More informationNational Bureau for Academic Accreditation And Education Quality Assurance PUBLIC HEALTH
1 GEORGE WASHINGTON UNIVERSITY WASHINGTON DC B Athletic Training 1 MA B 1 BROWN UNIVERSITY PROVIDENCE RI B EAST TENNESSEE STATE UNIVERSITY JOHNSON CITY TN B 3 HUNTER COLLEGE NEW YORK NY B 4 UNIVERSITY
More informationHow To Get A Home Repair Grant From The City Of Venice
609 29th St., P.O. Box 5097, Vienna, WV 26105 304.295.4541 Emergency Home Repair Program 2011-2012 Guidelines and Application Please address inquiries to: City of Vienna Emergency Home Repair Program P.O.
More informationHome Purchase Rehabilitation Pilot Program Procedures Manual
Home Purchase Rehabilitation Pilot Program Procedures Manual Department of Housing and Community Development Home Purchase Assistance Program (HPAP) Residential and Community Services Division 1800 Martin
More informationHow Creditors Evaluate My FICO Credit
May 2009 Equal Credit Opportunity: Understanding Your Rights Under the Law People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.
More informationDISCRIMINATION IN MORTGAGE LENDING. Webb A. Brewer Brewer Barlow, PLC
DISCRIMINATION IN MORTGAGE LENDING Webb A. Brewer Brewer Barlow, PLC INTRODUCTION/ HMDA DATA Redlining The historic practice of mortgage lenders not offering prime mortgage loans in communities of color
More informationCITY OF ALLIANCE REQUEST FOR QUOTES (RFQ) LAWN MOWING SERVICES
CITY OF ALLIANCE REQUEST FOR QUOTES (RFQ) I. Introduction: The City of Alliance is seeking a contractor(s) for lawn mowing services, and hereby requests sealed written quotes from contractors to perform
More informationHOUSING. State of Michigan HOME BUYING ASSISTANCE HOUSING AUTHORITIES. Wayne County
HOUSING HOME BUYING ASSISTANCE Detroit Planning and Development Department Cadillac Tower 65 Cadillac Square, Suite 2300 Phone: (313) 224-6380 Fax: (313) 224-1629 Administers the program, which provides
More informationCase 1:12-cv-00484-BEL Document 1 Filed 02/15/12 Page 1 of 6. IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND (Northern Division)
Case 1:12-cv-00484-BEL Document 1 Filed 02/15/12 Page 1 of 6 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND (Northern Division BALTIMORE NEIGHBORHOODS, INC. a not-for profit Maryland
More informationFair Housing in Pinellas County
Fair Housing in Pinellas County Pinellas County Board of County Commissioners Pinellas County Affirmative Action Committee Pinellas County Office of Human Rights and the City of St. Petersburg City of
More informationZillow Negative Equity Report
Overview The housing market is finally showing signs of life, with many metropolitan areas having hit the elusive bottom and seeing home value appreciation, however negative equity remains a drag on the
More informationDowntown improvement Programs - How DDA Revolving Loan Fund Program Works
Fremont DDA Revolving Loan Fund Program Guidelines Introduction The Fremont Downtown Development Authority (DDA) established the Fremont DDA Revolving Loan Fund Program to promote economic development
More informationFamilial Status Discrimination in the University Neighborhood
Familial Status Discrimination in the University Neighborhood A Report by CNY Fair Housing. October 2013 Funding for this study was provided by the City of Syracuse Community Development Block Grant Program
More informationIN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF NEW YORK
IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF NEW YORK UNITED STATES OF AMERICA, ) ) Plaintiff, ) ) v. ) Civil Action No. ) ERIE INSURANCE COMPANY ) OF NEW YORK; ERIE INSURANCE ) COMPANY;
More informationRules and Regulations
TOWNHOUSES HOMEOWNERS ASSOCIATION INC. Ocoee, Florida 34761 2011 Rules and Regulations These rules were developed by the Board of Directors to promote the safety and well-being of the residents, their
More informationExterior BPO. I. General Conditions
Exterior BPO Property Address: 1497 Orlean Street, F/K/A 1498 Miller Street, MEMPHIS, TN 38106 Borrower Not APPLICABLE. Inspection Date 9/23/2014 Effective Date 10/3/2014 APN 034032 00009 Loan # PF1-68
More informationAppendix D. Petersens Guide Listings for PhD in Public Policy
Appendix D Petersens Guide Listings for PhD in Public Policy Brandeis University Waltham, MA Program in Social Justice and Social Policy Claremont Graduate University Claremont, CA Department of Economics
More informationOrder #: 130902-05496-5
Client: Is the subject Property currently listed? Yes, currently RESIDENTIAL VALUATION SERVICES (RVS) - BROKER PRICE OPINION Property Type: SFR Condo Co-op PUD Manufactured Other Original List Price: Date:
More informationInvesting in real estate in today s market
Investing in real estate in today s market Objective Module 1 Establishing your investment Defining your investment objective Advantages vs. disadvantages Managing two home loans Debt-to-income ratio Financing
More informationAnimals & the Fair Housing Act
The Fair Housing Act Animals & the Fair Housing Act The Fair Housing Act (FHA) prohibits discrimination in housing on the basis of race, color, religion, sex, national origin, familial status, and disability.
More informationPost-Secondary Schools Offering Undergraduate Programs Including Arabic Language/Literature. University name Location Degree offered
Post-Secondary Schools Offering Undergraduate Programs Including Arabic Language/Literature University name Location Degree offered Abilene Christian University Abilene, TX None (Special Dialektos Program)
More informationRoyal Palm Manufactured Home Community 2050 West Dunlap Phoenix, AZ 85021 RULES AND REGULATIONS
Royal Palm Manufactured Home Community 2050 West Dunlap Phoenix, AZ 85021 RULES AND REGULATIONS These Rules and Regulations have been written for your safety and convenience to assure a most enjoyable
More informationABANDONED/VACANT REAL PROPERTY REGISTRATION FORM. Type of Registration: New Renewal Date of Initial Inspection:
INTERNAL USE ONLY FEE PAID: DATE: CHECK/MONEY ORDER # Environmental Protection and Growth Management Department PERMITTING, LICENSING AND CONSUMER PROTECTION DIVISION COMMUNITY CODE COMPLIANCE SECTION
More informationStonecreek Community Association 1600 N.E. Loop 410, ste. 202 San Antonio, TX 78209 210-829-7202
Stonecreek Community Association 1600 N.E. Loop 410, ste. 202 San Antonio, TX 78209 210-829-7202 Dear Homeowner, Welcome to Stonecreek! Prior to purchasing your home, you were informed of the Stonecreek
More informationNational Bureau for Academic Accreditation And Education Quality Assurance
1 ARIZONA STATE UNIVERSITY - TEMPE TEMPE AZ MD 2 BOSTON COLLEGE CHESTNUT HILL MA B 3 BOSTON UNIVERSITY ^ BOSTON MA B 4 CASE WESTERN RESERVE UNIVERSITY CLEVELAND OH B ^ D in Music is for Residential Program
More informationAged Delinquent Loan Sale Federal Housing Administration. Loan Sale (ADPLS) Sales Results Summary
Aged Delinquent Loan Sale Aged Delinquent Portfolio Loan Sale (ADPLS) Sales Results Summary Bid Date: May 18, 2016 Seller: U.S. Department of Housing and Urban Development Transaction Specialist: Verdi
More informationGarbage and Debris. Zoning/Use Violations. Tall Grass and Weeds. Vehicle Violations. Recreational Vehicle/Trailer Parking. Property Maintenance
Garbage and Debris Zoning/Use Violations Tall Grass and Weeds Vehicle Violations Property Maintenance Building without a permit Recreational Vehicle/Trailer Parking Sign Violations Animal Violations Right
More informationQ1 2014 Real Estate Investor Report. 2014 The Entrust Group, Inc. All Rights Reserved
Q1 2014 Real Estate Investor Report 2014 The Entrust Group, Inc. All Rights Reserved 1 Table of Contents Habits of Real Estate IRA Investors Nationwide 3 States Where Clients Invested in Real Estate 4
More informationWindbrooke Townhome Association, Inc. Maintenance & Service Responsibility Chart
Roof Siding Chimney Doors and Windows Building Maintenance Repair and restoration of interior damage caused by roof leak; repair or replacement of structural supports under the roof decking and sheathing
More informationFAIR HOUSING AND REASONABLE ACCOMMODATION
Fair Housing FAIR HOUSING AND REASONABLE ACCOMMODATION As a part of the property management team, it is important for Service Coordinators to know the rights and obligations residents and housing providers
More informationBRENTWOOD LAKES HOMEOWNERS ASSOCIATION, INC.
BRENTWOOD LAKES HOMEOWNERS ASSOCIATION, INC. HOMEOWNERS HANDBOOK PURPOSE: To ensure positive, pleasant and comfortable living at Brentwood Lakes, this pamphlet summarizes many of your community s rules
More informationLENDING CHECKLIST. Please contact us if you have any questions or concerns at 415 437 0300.
LENDING CHECKLIST Below you will find a list of documentation that our lenders generally require. Please gather this documentation and send it back to us along with your completed application and disclosures:
More informationGCHFH HOME REPAIR PROGRAM
GCHFH HOME REPAIR PROGRAM The Genesee County Habitat for Humanity (GCHFH) Home Repair Program helps low-income homeowners alleviate health and safety issues in and around their home. Homeowners pay for
More informationCase: 4:15-cv-01492 Doc. #: 1 Filed: 09/29/15 Page: 1 of 10 PageID #: 1 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MISSIOURI EASTERN DIVISION
Case: 4:15-cv-01492 Doc. #: 1 Filed: 09/29/15 Page: 1 of 10 PageID #: 1 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MISSIOURI EASTERN DIVISION UNITED STATES OF AMERICA, ) ) Plaintiff, ) Case No. )
More informationRacial and Ethnic Disparities in 2011 Ohio Mortgage Lending
Racial and Ethnic Disparities in 2011 Ohio Mortgage Lending KRISSIE WELLS KI-DUK PARK March 2013 HOUSING RESEARCH & ADVOCACY CENTER 2728 EUCLID AVENUE, SUITE 200 CLEVELAND, OHIO 44115 (216) 361-9240 (PHONE)
More informationPRRAC Poverty & Race Research Action Council 1200 18 th St. NW Suite 200 Washington, DC 20036 202/906-8023 Fax 202/842-2885 www.prrac.
PRRAC Poverty & Race Research Action Council 1200 18 th St. NW Suite 200 Washington, DC 20036 202/906-8023 Fax 202/842-2885 www.prrac.org March 28, 2014 By Electronic Mail to Grace.F.Robertson@irs.gov
More informationAFFORDABLE HOUSING APPLICATION
AFFORDABLE HOUSING APPLICATION PLEASE FILL OUT THIS APPLICATION COMPLETELY. ALL BLANKS MUST BE FILLED IN BEFORE THE APPLICATION W I L L B E C O N S I D E R E D C O M P L E T E A N D C A N B E PROCESSED
More informationA CONSUMER GUIDE TO FAIR LENDING
FAIR HOUSING LEGAL SUPPORT CENTER A CONSUMER GUIDE TO FAIR LENDING AND HOME OWNERSHIP PRESERVATION A CONSUMER GUIDE TO FAIR LENDING AND HOME OWNERSHIP PRESERVATION OVERVIEW This guide explains your right
More informationPocket Listings. www.ivaor.com. I. Introduction
www.ivaor.com Pocket Listings C.A.R. Corporate Legal Department Tel (213) 739-8282 I. Introduction REALTORS marketing a property for which they have obtained a listing will generally place that listing
More informationHeatherRidge Townhome Association One (HRTA) (Hidden Hills) Rules and Regulations Effective January 1, 2011
HeatherRidge Townhome Association One (HRTA) (Hidden Hills) Rules and Regulations Effective January 1, 2011 The following is the list of the Rules and Regulations that most immediately affect Hidden Hills
More informationMARS DISCLOSURE FOR CONSUMER SPECIFIC COMMERCIAL COMMUNICATION
MARS DISCLOSURE FOR CONSUMER SPECIFIC COMMERCIAL COMMUNICATION The disclosure below is required by 16 C.F.R. 322.4(b) in every consumer-specific commercial communication for any mortgage assistance relief
More informationTown of Creston. Bylaw No. 1813
Town of Creston Bylaw No. 1813 A Bylaw relating to the care and maintenance of private property and adjoining public places within the Town of Creston. WHEREAS Sections 62 and 64 of the Community Charter
More informationCultural Diversity May Be Increasing in Both Canada and the United States, But Important Differences Remain. By Dr. Doug Norris
Cultural Diversity May Be Increasing in Both Canada and the United By Dr. Doug Norris Table of Contents Introduction... 3 U.S. Cultural Diversity... 3 Table 1... 4 Table 2... 5 Cultural Diversity in Canada...
More informationOffice of the Arizona Attorney General. Civil Rights Consumer Protection and Advocacy
Office of the Arizona Attorney General Civil Rights Consumer Protection and Advocacy Civil Rights and Fair Housing Enforcement Consumer Fraud Enforcement and the Housing Industry AGO Complaint Process
More informationCompensation of the state s real estate professionals
Real Estate Payday Texans Compensation Competitive Ali Anari June 24, 2016 Publication 2133 Compensation of the state s real estate professionals is competitive with the nation s, and there is plenty of
More informationDisparate Impact Considerations for Private Education Loans
Disparate Impact Considerations for Private Education Loans Arthur J. Rotatori, Esq. McGlinchey Stafford 25550 Chagrin Blvd., Suite 406 Cleveland, Ohio 44122 (216) 378-9932 arotatori@mcglinchey.com Fair
More informationREASONABLE ACCOMMODATION. and REASONABLE MODIFICATIONS. Under the FAIR HOUSING ACT. (Self-Help Packet)
REASONABLE ACCOMMODATION and REASONABLE MODIFICATIONS Under the FAIR HOUSING ACT (Self-Help Packet) An Austin Tenants Council Fair Housing Program Publication 2001 Austin Tenants Council Reasonable Accommodation
More informationWWW.IMMIGRANTJUSTICE.ORG/KIDS
On the following pages you will find addresses for: Dept. of Justice Immigration Courts AND Dept. of Homeland Security Offices of Chief Counsel (OCC) DISCLAIMER: The most current addresses for DOJ Immigration
More informationHUD REO M & M III. FHA Webinar on HUD REO 203-K Standard 203-K Streamline. HUD REO (Real Estate Owned) 203(k) Streamline.
FHA Webinar on HUD REO 203-K Standard 203-K Streamline HUD REO (Real Estate Owned) 203(k) Streamline 203-K Standard National Servicing Center (NSC) is responsible for direct oversight of the MCM contractor:
More informationHot Topics in Fair Lending
Hot Topics in Fair Lending Andrea J. Shaw, Counsel, TD Bank James Cohen, Partner, Verrill Dana, LLP 1 April 2012 Fair Lending: Basic to How Banks Offer Mortgages to Public Issue: Whether a lender is improperly
More informationwww.theracialwealthgap.org PRESS RELEASE WELLS FARGO TEAMS UP WITH FL NON PROFITS TO ADDRESS AFFORDABLE HOUSING
www.theracialwealthgap.org PRESS RELEASE WELLS FARGO TEAMS UP WITH FL NON PROFITS TO ADDRESS AFFORDABLE HOUSING REBUILDING FORECLOSED DAMAGED HOMES FOR AFFORDABLE HOUSING IMPACTING FLORIDA MINORITY NEIGHBORHOODS
More informationFNMA Allowable Updates. Safeguard Properties
FNMA Allowable Updates Safeguard Properties 1 Confidentiality Statement This training program and its materials contain proprietary information, confidential information and business trade secrets and
More informationEXCELLENCE IN REAL ESTATE
HOUSE SELLING SECRETS Sell Your House FAST! For The Most CASH! The key to selling your house for top dollar is to reach and impress the most buyers. Houses that sell the fastest are the ones that are seen
More informationPiazza & Associates. Affordable Housing Services
Piazza & Associates Affordable Housing Services 216 Rockingham Row - Princeton Forrestal Village - Princeton, NJ 08540 Phone: (609) 786-1100 - Fax: (609) 786-1105 - E-mail: WestWindsor@HousingQuest.com
More informationGuide to Fair Mortgage Lending and Home Preservation
Guide to Fair Mortgage Lending and Home Preservation Fair Housing Legal Support Center & Clinic Guide to Fair Mortgage Lending and Home Preservation What does this guide cover? What is Fair Lending? What
More informationCODE ENFORCEMENT - FAQ STREETS
CODE ENFORCEMENT - FAQ STREETS Can I have a red (or blue) line painted or repainted at the curb in front of my house? Yes. This is allowed in some situations. Please contact Traffic Engineering at (714)
More informationEmergency Domestic Water Well Financial Assistance Pilot Program
Emergency Domestic Water Well Financial Assistance Pilot Program Background On August 26, 2014 the Stanislaus County Board of Supervisors approved a pilot program to assist domestic/residential well owners
More informationB U S I N E S S C O S T S
Introduction A company s success in today s highly competitive global economy is determined by its ability to produce the highest quality products and services at the lowest costs. This competitive imperative
More informationSenior Home Repair Program Application
Senior Home Repair Program Application HIT (Home Is The) Foundation To qualify, you must: Be age 60 or over Be a resident of Preble County Own your home Meet 50% AMI (area median income) guidelines* *(see
More informationExclusive Listing Agreement beginning, and ending between: SELLER: and BROKER (AGENCY): Phone Agency Address:
This form has been certified by the Attorney General to be in compliance with the Plain Language Law. Approval of a consumer contract by the Attorney General only means that simple, understandable and
More informationArchitectural Review
Kylemont at Lansbrook Homeowners Association (HOA) General Information and Guidelines April 2015 Board of Directors (BOD) Selection and Term Per the Kylemont By-Laws, the BOD is to consist of an odd number
More informationTrophy Ridge Homeowners Association
Trophy Ridge Homeowners Association 1600 N. E. Loop 410, Suite #202 San Antonio, Texas 78209 (866) 232-4386 TX Toll Free * (210) 829-7202 - Office * (210) 829-5207 - Fax Dear Homeowner, Prior to purchasing
More informationKnow Your Rights Immigrant Rights Handbook
Know Your Rights Immigrant Rights Handbook The Equal Rights Center (ERC) is a comprehensive non-profit civil rights organization dedicated to identifying, challenging, and eliminating discrimination. With
More informationHOME EQUITY LOANS WITH OAKLAND COUNTY CREDIT UNION. Speak to any of the Loan Officers listed below to learn how we may be able to save you money.
HOME EQUITY LOANS WITH OAKLAND COUNTY CREDIT UNION Speak to any of the Loan Officers listed below to learn how we may be able to save you money. Waterford M-59 Branch Clarkston Branch Waterford/White Lake
More informationCITY OF FORT LAUDERDALE Page 1 AGENDA UNSAFE STRUCTURES BOARD CITY COMMISSION MEETING ROOM - CITY HALL APRIL 20, 2006 3:00 PM
CITY OF FORT LAUDERDALE Page 1 CITY COMMISSION MEETING ROOM - CITY HALL RETURN HEARING (OLD BUSINESS) CASE NO: CE05010324 CASE ADDR: OWNER: 809 NW 15 AV MYERS, HERBERT & MYERS, ALBERT, FERNANDEZ, JOYCE
More informationDISTRICT OF COLUMBIA
SOUTH CAROLINA University of South Carolina Russell House Ballroom C Columbia, SC 10:00AM - 1:00PM The Citadel Holliay Alumni Center Charleston, SC Tuesday, October 06, 2015 1:00PM - 4:30PM Furman University
More informationANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL
State-Level Analysis HELP WANTED PROJECTIONS of JOBS and EDUCATION REQUIREMENTS Through 2018 JUNE 2010 ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL Contents 1 Introduction 3 U.S. Maps: Educational concentrations
More informationNew Home Construction Packet
New Home Construction Packet Congratulations! You are building a new home in Meyerland. This packet of information was assembled to assist you with the process. It contains all the forms that you will
More informationA Guide To An FHA 203(k) Loan
A Guide To An FHA 203(k) Loan US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed
More informationHomewyse 2010 Home Ownership Cost Report
November 2010 Homewyse 2010 Home Ownership Cost Report Editors and Staff Homewyse Smart Home Decisions 2010 Home Ownership Cost Report 2 SUMMARY Next to mortgage expenses, home maintenance and repair costs
More information1. Review & Action Steps 2. Setting Up Your MLS Searches 3. Screening & Accessing Properties 4. Estimating Repairs 5. Assignments for next week
Session 2 Generating, Screening, and Analyzing Leads What We re Covering Today: 1. Review & Action Steps 2. Setting Up Your MLS Searches 3. Screening & Accessing Properties 4. Estimating Repairs 5. Assignments
More informationProperty Name(If any): Property Addr: City: St: Zip: Dba/or LLC: Florida Tax or EIN: NEEDED TO CONVERT UTILITY BILLINGS TO C/O METRO.
PROP CODE # New Client: Property Management Services Form Owner(s): Please complete a form for each property/address and return to office via Fax: 954-944-1563 or mail to: Metro Residential, LLC, PO Box
More informationArizona Rentals & Concierge Services, LLC. Property Management Agreement
Arizona Rentals & Concierge Services, LLC ADRE License Number SE515963000 14245 W. Grand Ave. Suite #2 Surprise AZ. 85374 623-209-1656 WWW.arizonarentalservice.com mgt@arizonarentalservice.com Property
More informationMortgage Asset Research Institute
White Paper Mortgage Asset Research Institute Fourth Periodic Report to Mortgage Bankers Association This report was combined and published before the acquisition of LexisNexis and ChoicePoint. 12020 Sunrise
More informationAnnual Registration of Vacant or Abandoned Commercial Storefront [San Francisco Ordinance 182-14, effective 08-29-14]
Annual Registration of Vacant or Abandoned Commercial Storefront [San Francisco Ordinance 182-14, effective 08-29-14] Date: To: Property Owner of Record Address: From: Re: DBI Code Enforcement Annual Vacant
More informationU.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending
U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants
More informationGOOD NEIGHBOR HANDBOOK
GOOD NEIGHBOR HANDBOOK Welcome to the City of Grandview s Good Neighbor Handbook! We hope you find it informative and easy to understand. It has been designed to provide the reader with basic information
More informationFlorida League of Cities 86 th Annual Conference
Presented by: Grant W. Alley, Fort Myers City Attorney Slideshow Compiled by: Susan Martin, Certified Paralegal Florida League of Cities 86 th Annual Conference Abandoned, Foreclosed or Bankrupt Properties:
More informationCITY OF MIAMI SECTION 8 LANDLORD OUTREACH GUIDE
LANDLORD PARTICIPATION The City of Miami (City) administers a Section 8 Housing Choice Voucher program through its Department of Community Development (Department) and is funded by the United States Department
More informationNational Bureau for Academic Accreditation And Education Quality Assurance
1 ARKANSAS STATE UNIVERSITY - STATE UNIV. AR M JONESBORO 2 AUBURN UNIVERSITY - AUBURN AUBURN AL MD 3 BALL STATE UNIVERSITY MUNCIE IN M 4 CALIFORNIA STATE UNIVERSITY - ^ Enrollment to the ESL program and
More information