Don't be left out - Your Rights as a Homeowner
 

 

 

Discrimination Protection

Being denied service because of your race, color, religion, national origin, sex, marital status, age, familial status, or handicap is against the law. You are granted protection against this type of mistreatment by the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA).

Under the acts, a lender must provide an individual with a justified reason for being denied the loan within 30 days of applying. They also can not set different terms or provisions based on race, color, religion, national origin, sex, marital status, age, familial status, or handicap.

If your lender asks you questions in regards to your health, family or otherwise, that do not directly affect your loan, you have the right not to answer them. You can also report their actions if you feel you are a victim of discrimination.

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