Your Rights When Purchasing A Home

Basic Rights

    • You have the right to shop for financing, real estate agents, insurance, etc. Don’t let anyone discourage you from shopping around. It’s important to shop – a house is probably your biggest purchase. It’s a good idea to a get a second opinion or bid so you can compare costs.
    • Make sure you are given a full accounting of all expenses before you sign anything.

Federal Fair Housing Act

 The Federal Fair Housing Act prohibits taking any action or making any decision in the sale of a house based on race, color, national origin, religion, sex, familial status (generally children under 18) or handicap.

Things that are prohibited:
    • Refusing to sell to someone who has made a bona fide offer
    • Refusing to negotiate a sale
    • Making housing unavailable
    • Discriminating in the terms, conditions or privileges of the sale or in providing the services connected with the sale
    • Any notice, statement or advertisement that indicates a preference, limitation or discrimination or the intention to do so
    • Saying the dwelling is unavailable when it is available
    • “Block-busting” inducing, or attempting to induce, owners to sell property quickly or at a reduced price by suggesting a minority is moving in.
    • “Steering” directing certain groups to certain parts of town
    • “Redlining” denying a person who qualifies for a loan or insurance because of the neighborhood in he or she lives.
    • Discriminating in residential real estate transactions or brokerage
    • Discriminating in residential real estate transactions or brokerage services
    • Refusing to make a loan
    • Refusing to provide information on loans
    • Offering different terms or conditions for the loan
    • Discriminating in the appraisal of the property
    • Refusing reasonable accessibility modifications to the property made at purchasers expense (Does not exclude you from negotiating to have seller pay for them.)
    • Refusing to make reasonable accommodations in rules, policies, practices or services that would afford a handicapped person better use or enjoyment of a dwelling.

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