Discriminatory practices encountered during the home buying process could include:
Using different criteria to approve a loan than the criteria used to approve another person's loan file that is within the same economic range (e.g., imposing different terms, lending conditions, interest rates or fees)
Refusing to sell or negotiate a property because of a person's protected class status
Advertising housing in a discriminatory manner or implying directly or indirectly in marketing materials that the opportunity to buy such housing is restricted to certain groups
"Steering" - directing households to view houses in certain neighborhoods or not providing information on housing available in particular neighborhoods
"Blockbusting" - persuading owners to sell or rent based on the changing demographics of an area
"Redlining" - refusing or providing higher mortgages or homebuyer insurance costs based on the area in which your prospective home is located
Predatory Lending - practices by which lenders use abusive or deceptive lending practices that greatly inflate the cost of borrowing funds for homeownership
Homeowner Association policies that set occupancy limits or require minimum or maximum square footage requirements that may create a disparate impact on protected classes
In general, it is illegal under fair housing laws for real estate agents, mortgage brokers, sellers, lenders, homeowner associations, insurance agents, or other industry professionals to take actions or make decisions based on a person's race, color, ethnicity, gender, religion, national origin, or disability.
Persons with disabilities have additional protections under fair housing law that entitle them to reasonable modification and accommodations that are necessary to allow them to purchase or use and enjoy a new home. Accommodations may be requested of lenders, real estate agents, condo or home owner associations, owners and others throughout the home buying process.
As a best practice, if you believe your rights have been violated, make sure to keep records of suspected violations including any documents or items in writing that record the violations made that may be accessed by legal advocates in the event you need to provide records of what occurred. Visit How to File a Complaint to learn how to file a complaint in the State of Florida.