Disband or Rebrand DEI? 3 Considerations If Your Association or Firm Has This on the Docket

<div><span id="docs-internal-guid-e01f2f4e-7fff-0c48-0efc-9235e3ed0711"><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">As featured in <a href="https://www.housingwire.com/articles/disband-or-rebrand-dei-three-considerations-for-your-association-or-firm/" target="_blank"><span style="color: #3d85c6;">HousingWire</span></a>. </span></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><br></span></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV882jdZNDwJOR0j0DrUUmV6qY2-jYS_CrcvmAr5h6fLGUjJ1xv6Dhr4Gmytqaqt_lqGNdcxGojuqleDS196j3NLNDZ1eq8jvIPgLvz9dfQvYiQWhOL6Hfxd_u8qdJpfnCHa9Ue1TJxjW2H6I16gwyvbefwmkXZdWKOQlQ9vIVPB0CdbuALHnqkHiQwwY/s1920/Blue%20Simple%20Scrapbook%20Travel%20to%20Turkey%20Mobile%20Video%20(1).gif" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1920" data-original-width="1080" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV882jdZNDwJOR0j0DrUUmV6qY2-jYS_CrcvmAr5h6fLGUjJ1xv6Dhr4Gmytqaqt_lqGNdcxGojuqleDS196j3NLNDZ1eq8jvIPgLvz9dfQvYiQWhOL6Hfxd_u8qdJpfnCHa9Ue1TJxjW2H6I16gwyvbefwmkXZdWKOQlQ9vIVPB0CdbuALHnqkHiQwwY/s320/Blue%20Simple%20Scrapbook%20Travel%20to%20Turkey%20Mobile%20Video%20(1).gif" width="180"></a></div><p></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 11pt; font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><br></span></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-style: italic; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span style="font-size: medium;"><b>Department of Motor Vehicles (DMV)</b></span></span></p><span style="font-size: medium;"><br></span><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span style="font-size: medium;">What is the first thing that comes to mind when you see DMV?</span></span></p><span style="font-size: medium;"><br></span><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-emoji: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span style="font-size: medium;">There are no wrong answers, but for some of us just the thought of the DMV sends chills down our spine, particularly if you have ever had to wait in long DMV lines. But for others, like new drivers, there’s a palpable sense of excitement, anticipation, and perhaps – dare I say – even joy.<span></span></span></span></p></span></div>

dei, fair housing decoder, slideshow-v1

Disband or Rebrand DEI? 3 Considerations If Your Association or Firm Has This on the Docket

As featured in HousingWire . Department of Motor Vehicles (DMV) What is the first thing that comes to mind when you see DMV? There are no wr...

Making Meaning of Fair Housing Data: People Over Percentages

<div><span id="docs-internal-guid-56dbd299-7fff-e7ae-cd76-3d336393edb5"><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 10pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">As featured in <a href="https://ypn.realtor/the-lounge/making-meaning-of-fair-housing-data-people-over-percentages/" target="_blank"><span style="color: #3d85c6;">RealtorMag YPN The Lounge</span></a>. </span></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif"></span></p><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj969nKIvsgA3bzi2-uJTpYQwfd-keBDOxWfv4uxw5dZf_yM1YSbi3IUwnCzqe7EyRrq1nrFNYasPLA0Echus3BBW1F13bg_iVZv5RIJDE98HfhZWkjYEqY6WEYOpugJ0KPdk5s9urozZbLsPqkurGL0oJoNm4bEdDbBt2y3u8BLYoKpFJ1czOiwHAiFiQ/s8448/ali-rezaei-7i37OaU1slU-unsplash.jpg" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="8448" data-original-width="4752" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj969nKIvsgA3bzi2-uJTpYQwfd-keBDOxWfv4uxw5dZf_yM1YSbi3IUwnCzqe7EyRrq1nrFNYasPLA0Echus3BBW1F13bg_iVZv5RIJDE98HfhZWkjYEqY6WEYOpugJ0KPdk5s9urozZbLsPqkurGL0oJoNm4bEdDbBt2y3u8BLYoKpFJ1czOiwHAiFiQ/w360-h640/ali-rezaei-7i37OaU1slU-unsplash.jpg" width="360"></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="background-color: #f1f1f1; color: #111111; font-size: 13px; text-align: start; text-wrap: nowrap;">Photo by </span><a href="https://unsplash.com/@alidev82?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="background-color: #f1f1f1; box-sizing: border-box; font-family: -apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif; font-size: 13px; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;"><span style="color: #3d85c6;">Ali Rezaei</span></a><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="background-color: #f1f1f1; color: #111111; font-size: 13px; text-align: start; text-wrap: nowrap;"> on </span><a href="https://unsplash.com/photos/a-green-background-with-a-lot-of-white-numbers-7i37OaU1slU?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="background-color: #f1f1f1; box-sizing: border-box; font-family: -apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif; font-size: 13px; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;"><span style="color: #3d85c6;">Unsplash</span></a>. </td></tr></tbody></table><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span style="font-size: 10pt;"><br></span><span style="font-size: medium;">It is such an honor every single time I have the privilege of sharing with agents throughout the nation the history of unfair housing, where we are today, and how we can proactively advocate (not alienate) for housing opportunity and access for all (what I call being a “fair housing DECODER”). </span></span></span></div><div><span><span face="Arial, sans-serif" style="font-size: medium; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><br></span></span></div><div><span><span face="Arial, sans-serif" style="font-size: medium; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">I was recently facilitating at a fair housing conference, and one of the learners made a genuine comment to the effect of:</span></span></div><div><span><span face="Arial, sans-serif" style="font-size: medium; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><br></span></span></div><div><span style="font-size: medium;"><i><b><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">“If there are approximately </span><a href="https://nationalfairhousing.org/resource/2024-fair-housing-trends-report/" style="text-decoration-line: none;"><span face="Arial, sans-serif" style="color: #6fa8dc; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">30,000 fair housing violations</span></a></b></i><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><i><b> reported last year throughout the entire US, but there are easily millions of transactions between renting and buying each year, then we’re not doing so bad. The problem is not so big – we don’t need to really talk about this.”</b></i></span></span></div><div><span style="font-size: medium;"><span style="white-space-collapse: preserve;"><b><i><br></i></b></span><span><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span></span></span><p></p></span></span></div>

fair housing decoder, mcnamara fallacy

Making Meaning of Fair Housing Data: People Over Percentages

As featured in RealtorMag YPN The Lounge . Photo by  Ali Rezaei  on  Unsplash .  It is such an honor every single time I have the privilege ...

Election Considerations: Is VP Kamala Harris's $25k homeownership grant proposal “crippling of an already weak economy"?

<div><span id="docs-internal-guid-2c787764-7fff-b0de-e578-c75142ce2ac0"><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span style="font-size: xx-small;">As featured in <a href="https://www.inman.com/2024/10/23/harris-touts-a-25k-down-payment-grant-will-homebuyers-care/" target="_blank"><span style="color: #3d85c6;">Inman News</span></a> and <a href="https://www.kiplinger.com/real-estate/buying-a-home/harris-down-payment-assistance-for-homebuyers" target="_blank"><span style="color: #3d85c6;">Kiplinger Personal Finance</span></a>. </span></span><span face="Arial, sans-serif" style="font-size: 14pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"> </span></p></span><span><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 14pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><br></span></p></span><span id="docs-internal-guid-c6bdb804-7fff-8898-1b1d-9d4b47492638"><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 14pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">With election day less than one month away, there has been much talk about a particular proposal by Vice President Kamala Harris, so let’s get into it:</span></p><br><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt; text-align: center;"><span face="Arial, sans-serif" style="font-size: 14pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;"><span style="border: none; display: inline-block; height: 243px; overflow: hidden; width: 243px;"><img height="243" src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXforoUCxILXOcjzNme7v8dIBB27mbz3p3zJGSFkvC__zow5h2qGDJaObWAMbf6BohNXv_M_SHVk7oFj26C9mLZ3qE1k1PcHFP1XELq8X-XjVO4MiDwR42heA-UxwvoAyS9UCFd4JVOB0loE00n6h3iC64TO?key=fPPnlpMQd5YdLSSqYgZ-BA" style="margin-left: 0px; margin-top: 0px;" width="243"></span><span></span></span></p></span></div>

election, fair housing, kamala harris

Election Considerations: Is VP Kamala Harris's $25k homeownership grant proposal “crippling of an already weak economy"?

As featured in Inman News and Kiplinger Personal Finance . With election day less than one month away, there has been much talk about a pa...

Is Harris’s $25k Down Payment Assistance Good or Bad for Homebuyers?

<div><span style="background-color: white; font-family: Arial, serif; text-align: center;"><span style="color: #1b1b1b; font-size: large;">Democratic Presidential candidate Kamala Harris plans to offer $25,000 in down payment assistance for first-time homebuyers. </span></span></div><div><span style="background-color: white; font-family: Arial, serif; text-align: center;"><span style="color: #1b1b1b; font-size: large;"><br></span></span></div><div><span style="background-color: white; font-family: Arial, serif; text-align: center;"><span style="color: #1b1b1b; font-size: large;">But is this good or bad for the housing market? </span></span></div><div><span style="background-color: white; font-family: Arial, serif; text-align: center;"><span style="color: #1b1b1b; font-size: large;"><br></span></span></div><div><span style="background-color: white; font-family: Arial, serif; font-size: large; text-align: center;"><span style="color: #1b1b1b;">Read various industry forecasts (including my take, among many) in this article available at </span><a href="https://www.kiplinger.com/real-estate/buying-a-home/harris-down-payment-assistance-for-homebuyers"><span style="color: #3d85c6;">Kiplinger.com</span></a><span style="color: #1b1b1b;">. </span></span></div><div><span style="background-color: white; font-family: Arial, serif; font-size: large; text-align: center;"><span style="color: #1b1b1b;"><br></span></span></div><div><span style="background-color: white; font-family: Arial, serif; font-size: large; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcj30NjUMHKJ2Cjse32C5QyO5Pb1xe14-Oh2jmp6znmZPmg-zZKaMafmQyyffnkPAwb_-ELKw66UQ31Y7Jgyp7XIC7jp4hnpt8wjbafH_9XDGmVkapwrP4gGGztIXYU88h62Nip8j4nxnyuAIENvnO_Yx3gpZTLhGXsxwtltEejdkB8hUbTw8Nc5nNltA/s1080/IMG_B41011861073-1.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcj30NjUMHKJ2Cjse32C5QyO5Pb1xe14-Oh2jmp6znmZPmg-zZKaMafmQyyffnkPAwb_-ELKw66UQ31Y7Jgyp7XIC7jp4hnpt8wjbafH_9XDGmVkapwrP4gGGztIXYU88h62Nip8j4nxnyuAIENvnO_Yx3gpZTLhGXsxwtltEejdkB8hUbTw8Nc5nNltA/s320/IMG_B41011861073-1.jpeg" width="320"></a><span></span></div></span></div>

downpayment, kamala harris, kiplinger

Is Harris’s $25k Down Payment Assistance Good or Bad for Homebuyers?

Democratic Presidential candidate Kamala Harris plans to offer $25,000 in down payment assistance for first-time homebuyers.  But is this go...

Emotional Support and Service Animals: Fair and Affordable for Who?

<div><p><span style="font-family: inherit;">As featured in <a href="https://www.housingwire.com/articles/emotional-support-and-service-pets-fair-and-affordable-for-who/" target="_blank"><span style="color: #3d85c6;">HousingWire</span></a>. </span></p><span id="docs-internal-guid-0d658244-7fff-5870-bd6b-3b7a2949ee28"><span style="font-family: inherit;"><div><span><span style="font-family: inherit;"><br></span></span></div></span><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjojZLUdmln87Psme6sBQsZm5UqZokmsHdXBJyPOa12QKs1Aq3zfrcr7E634vRyU3bLUAphyphenhyphen6IDc5iXN58wCQKtsdjwEAKNfcrafiXFjhOt1cOOWEIZTh00mIdqsGskbYlWk3QjM_fb7OUHQ4pXLvMKVz1Jkokqij_RpED727WufrVAXuACRBqFn_nwRvA/s3000/meredith-hunter-iS0Aq3QPsJ4-unsplash.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1691" data-original-width="3000" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjojZLUdmln87Psme6sBQsZm5UqZokmsHdXBJyPOa12QKs1Aq3zfrcr7E634vRyU3bLUAphyphenhyphen6IDc5iXN58wCQKtsdjwEAKNfcrafiXFjhOt1cOOWEIZTh00mIdqsGskbYlWk3QjM_fb7OUHQ4pXLvMKVz1Jkokqij_RpED727WufrVAXuACRBqFn_nwRvA/s320/meredith-hunter-iS0Aq3QPsJ4-unsplash.jpg" width="320"></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="background-color: #f1f1f1; color: #111111; font-size: 13px; text-align: start; text-wrap: nowrap;">Photo by </span><a href="https://unsplash.com/@mere_hunter?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="background-color: #f1f1f1; box-sizing: border-box; font-family: -apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif; font-size: 13px; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;">meredith hunter</a><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="background-color: #f1f1f1; color: #111111; font-size: 13px; text-align: start; text-wrap: nowrap;"> on </span><a href="https://unsplash.com/photos/photo-of-adult-white-english-bulldog-lying-on-black-area-rug-iS0Aq3QPsJ4?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="background-color: #f1f1f1; box-sizing: border-box; font-family: -apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif; font-size: 13px; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;">Unsplash</a>. </td></tr></tbody></table><br><br><span id="docs-internal-guid-8e1f8349-7fff-d5e9-91e9-19360444c1c2"><p dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 13pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">What is one of the largest fines you think a housing provider -- like landlords, condo HOAs/boards, and state and local housing authority offices – has had to pay due to turning away emotional support and service animals?<span></span></span></p></span></span></div>

fair housing decoder

Emotional Support and Service Animals: Fair and Affordable for Who?

As featured in HousingWire .  Photo by  meredith hunter  on  Unsplash .  What is one of the largest fines you think a housing provider -- li...

Guess one way we may be unintentionally advising our clients to discriminate and exacerbate the housing affordability crisis?

<div><span id="docs-internal-guid-f6e38fbb-7fff-fefb-5915-96f88a57be9d" style="font-family: inherit;"><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: xx-small; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">As featured in <a href="https://www.inman.com/2024/09/27/dont-facilitate-source-of-income-discrimination-by-sellers/" target="_blank"><span style="color: #0b5394;">Inman News</span></a>. </span></p></span><span style="font-family: inherit;"><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUl9DhF4EL3zvLQ2CfNJzBSDtmXDZM3cmnBYXqDL5ZbDm2zz8oZEJvq5HhLczy2wTIEJrJe99XTXGs62BfsdGnytCHlo9CWV0LHOgQqxpoByyEELCb4vEqRDwuVL8N-MAS97oCD87IMjv7pf2Fx41NN3xfNzHpLLcmNesUhwxWHhyphenhyphenPsRn_u_rat9gDo7c/s2811/kostiantyn-li-1sCXwVoqKAw-unsplash%20(1).jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="2373" data-original-width="2811" height="270" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUl9DhF4EL3zvLQ2CfNJzBSDtmXDZM3cmnBYXqDL5ZbDm2zz8oZEJvq5HhLczy2wTIEJrJe99XTXGs62BfsdGnytCHlo9CWV0LHOgQqxpoByyEELCb4vEqRDwuVL8N-MAS97oCD87IMjv7pf2Fx41NN3xfNzHpLLcmNesUhwxWHhyphenhyphenPsRn_u_rat9gDo7c/s320/kostiantyn-li-1sCXwVoqKAw-unsplash%20(1).jpg" width="320"></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span style="background-color: white; font-size: xx-small;"><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="color: #111111; text-align: start; text-wrap: nowrap;">Photo by </span><a href="https://unsplash.com/@leekos?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="box-sizing: border-box; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;">Kostiantyn Li</a><span face="-apple-system, "system-ui", "San Francisco", "Helvetica Neue", Helvetica, Ubuntu, Roboto, Noto, "Segoe UI", Arial, sans-serif" style="color: #111111; text-align: start; text-wrap: nowrap;"> on </span><a href="https://unsplash.com/photos/a-house-made-out-of-money-on-a-white-background-1sCXwVoqKAw?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash" style="box-sizing: border-box; text-align: start; text-decoration-skip-ink: auto; text-wrap: nowrap; transition: color 0.1s ease-in-out, opacity 0.1s ease-in-out;">Unsplash</a>. </span></td></tr></tbody></table><br><p></p></span><span id="docs-internal-guid-17e237e9-7fff-fd50-51e0-9855c90f5ee0"><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Did you know that there are numerous programs that can help with affordable housing, like FHA, VA, and USDA loans and various down payment programs (there are </span><a href="https://downpaymentresource.com/wp-content/uploads/2024/07/DPR_Infographic_Q2-2024_FINAL.pdf" style="text-decoration-line: none;"><span face="Arial, sans-serif" style="color: #1155cc; font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">over 2,400</span></a><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"> across the nation), some of which </span><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-weight: 700; vertical-align: baseline; white-space-collapse: preserve;">include repair funds and/or financing</span><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">? </span></p><br><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Yet, a </span><a href="https://consumerfed.org/wp-content/uploads/2024/08/Outcompeted-Cornelissen-and-Harrison-CFA-prelease-version.pdf" style="text-decoration-line: none;"><span face="Arial, sans-serif" style="color: #1155cc; font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space-collapse: preserve;">recent report</span></a><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"> has documented an increasing trend of home buyers using such programs being shut out of the market. </span></p><br><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Let’s unpack this.</span></p><p dir="ltr" style="line-height: 1.38; margin-bottom: 2pt; margin-top: 0pt;"><span face="Arial, sans-serif"><span style="white-space-collapse: preserve;"><br></span></span><span face="Arial, sans-serif" style="font-size: 12pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;"><span></span></span></p></span></div>

discrimination, fair housing decoder, source of income

Guess one way we may be unintentionally advising our clients to discriminate and exacerbate the housing affordability crisis?

As featured in Inman News . Photo by  Kostiantyn Li  on  Unsplash .  Did you know that there are numerous programs that can help with affor...