The Federal Housing Administration (FHA), also known as the Office of Housing within the Department of Housing and Urban Development (HUD), is a United States government agency founded by President Franklin Delano Roosevelt, established in part by the National Housing Act of 1934. Its primary function is to provide insurance for mortgages originated by private lenders for various types of properties, including single-family homes, multifamily rental properties, hospitals, and residential care facilities. FHA mortgage insurance serves to safeguard these private lenders from financial losses. In the event that a property owner defaults on their mortgage, FHA steps in to compensate the lender for the outstanding principal balance.
Levittown is a hamlet and census-designated place (CDP) in the Town of Hempstead in Nassau County, on Long Island, in New York. It is a suburb of New York City, located halfway between the villages of Hempstead and Farmingdale. The CDP had a total population of 51,758 at the time of the 2020 census, making it the most populous unincorporated CDP in Nassau County and the second most populous CDP on Long Island, behind Brentwood.
Levittown is a census-designated place (CDP) and planned community in Bucks County, Pennsylvania, United States. It is part of the Philadelphia metropolitan area. The population was 52,699 at the 2020 census, down from 52,983 at the 2010 census.
William Jaird Levitt was an American real-estate developer and housing pioneer. As president of Levitt & Sons, he is widely credited as the father of modern American suburbia. In 1998 he was named one of Time Magazine's "100 Most Influential People of the 20th Century."
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender. FHA mortgage insurance protects lenders against losses. They have historically allowed lower-income Americans to borrow money to purchase a home that they would not otherwise be able to afford. Because this type of loan is more geared towards new house owners than real estate investors, FHA loans are different from conventional loans in the sense that the house must be owner-occupant for at least a year. Since loans with lower down-payments usually involve more risk to the lender, the home-buyer must pay a two-part mortgage insurance that involves a one-time bulk payment and a monthly payment to compensate for the increased risk. Frequently, individuals "refinance" or replace their FHA loan to remove their monthly mortgage insurance premium. Removing mortgage insurance premium by paying down the loan has become more difficult with FHA loans as of 2013.
Blockbusting was a business practice in the United States in which real estate agents and building developers convinced residents in a particular area to sell their property at below-market prices. This was achieved by fearmongering the homeowners, telling them that racial minorities would soon be moving into their neighborhoods. The blockbusters would then sell those same houses at inflated prices to black families seeking upward mobility. Blockbusting became prominent after post-World War II bans on explicitly segregationist real estate practices. By the 1980s it had mostly disappeared in the United States after changes to the law and real estate market.
Levittown, a community in the San Juan MSA and part of the municipality of Toa Baja, is one of the largest planned communities in Puerto Rico. Per the 2020 census, the population was 25,591.
Facilities and services such as housing, healthcare, education, employment, and transportation have been systematically separated in the United States based on racial categorizations. Segregation was the legally or socially enforced separation of African Americans from whites, as well as the separation of other ethnic minorities from majority and mainstream communities. While mainly referring to the physical separation and provision of separate facilities, it can also refer to other manifestations such as prohibitions against interracial marriage, and the separation of roles within an institution. The U.S. Armed Forces were formally segregated until 1948, as black units were separated from white units but were still typically led by white officers.
The Logan Fontenelle Housing Project was a historic public housing site located from 20th to 24th Streets, and from Paul to Seward Streets in the historic Near North Side neighborhood of Omaha, Nebraska, United States. It was built in 1938 by the Public Works Administration for housing working-class families. With the loss of thousands of industrial jobs in the 1950s and 1960s, the project became filled with families on welfare. As problems increased in the 1970s and 1980s, Logan Fontenelle was referred to as "Little Vietnam" because of drug dealing and gang violence. After Logan Fontenelle residents won a 1991 civil rights lawsuit brought against the Omaha Housing Authority and the U.S. Department of Housing and Urban Development, HUD tore down the projects in 1995 to replace them with new, lower density housing.
Loren Miller was an American journalist, civil rights activist, attorney, and judge. Miller was appointed to the Los Angeles County Superior Court by governor Edmund G. "Pat" Brown in 1964 and served until his death in 1967. Miller was a specialist in housing discrimination, whose involvement in the early stages of the Civil Rights Movement earned him a reputation as a tenacious fighter for equal housing opportunities for minorities. Miller argued some of the most historic civil rights cases ever heard before the Supreme Court of the United States. He was chief counsel before the court in the 1948 decision that led to the outlawing of racial restrictive covenants, Shelley v. Kraemer.
Levitt & Sons was a real estate development company founded by Abraham Levitt and later managed by his son William Levitt. The company built the town of Levittown, New York. The company's designs and building practices transformed the home building industry and altered the north eastern landscape of the United States with massive suburban communities.
Reverend Willie R. James, Sr. served as an important early civil rights activist in New Jersey starting in late 1950s and helped to end housing discrimination in that state. James later became head of the Burlington County Chapter of the National Association for the Advancement of Colored People and remained active in social issues including fighting poverty, job discrimination and ending the death penalty.
Housing discrimination in the United States refers to the historical and current barriers, policies, and biases that prevent equitable access to housing. Housing discrimination became more pronounced after the abolition of slavery in 1865, typically as part of Jim Crow laws that enforced racial segregation. The federal government didn't begin to take action against these laws until 1917, when the Supreme Court struck down ordinances prohibiting African-Americans from occupying or owning buildings in majority-white neighborhoods in Buchanan v. Warley. However, the federal government as well as local governments continued to be directly responsible for housing discrimination through redlining and race-restricted covenants until the Civil Rights Act of 1968.
Housing inequalities in Ohio relate to the historic and continuing factors that prevent predominantly people of color from accessing safe and affordable housing. It is self evident that income inequality is the single biggest factor that prevents the purchase of a major asset like a house. Restrictive zoning laws, market forces, job insecurity, lack of savings, and the credit ratings of first home buyers, all play pivotal roles in the overall problem of displacement, exclusion and segregation. Ohio retains a large amount of housing specifically in highly concentrated areas such as Cleveland, Cincinnati and Columbus, which rate in the top 21 cities of racial segregation in the U.S.
Ghettos in the United States are typically urban neighborhoods perceived as being high in crime and poverty. The origins of these areas are specific to the United States and its laws, which created ghettos through both legislation and private efforts to segregate America for political, economic, social, and ideological reasons: de jure and de facto segregation. De facto segregation continues today in ways such as residential segregation and school segregation because of contemporary behavior and the historical legacy of de jure segregation.
The Color of Law: A Forgotten History of How Our Government Segregated America is a 2017 book by Richard Rothstein on the history of racial segregation in the United States. The book documents the history of state sponsored segregation stretching back to the late 1800s and exposes racially discriminatory policies put forward by most presidential administrations in that time, including liberal presidents like Franklin Roosevelt. The author argues that intractable segregation in America is primarily the result of explicit government policies at the local, state, and federal levels, also known as de jure segregation — rather than the actions of individuals or private companies, or de facto segregation. Among other discussions, the book provides a history of subsidized housing and discusses the phenomenons of white flight, blockbusting, and racial covenants, and their role in housing segregation. Rothstein wrote the book while serving as a research associate for the Economic Policy Institute, where he is now a Distinguished Fellow.
Eight Mile-Wyoming area is located nearly 10 miles (16 km) from Paradise Valley on the northern boundary of Detroit and minimally resembled inner-city neighborhoods. Originally settled in the 1920s by thousands of optimistic migrant farmers, the area became a settlement opportunity for Blacks to construct and own their own homes. The area was fought over for development and housing projects for decades and represented an isolated concentration of Blacks in a vast population of whites.
Daisy D. Myers was an African-American woman who lived with her family in Levittown, Pennsylvania, reportedly designed to be an all-white town, beginning in 1957. She faced months of harassment and violence before security forces intervened to protect the family, leading her to be dubbed the "Rosa Parks of the North".
Carver Court is a historic housing development located at Foundry Street and Brooks Lane near Coatesville in Caln Township, Chester County, Pennsylvania. Built in 1944 in the International Style, Carver Court is important to understanding the African American experience in Coatesville. The development was added to the National Register of Historic Places in 2016.
