Consumers lack awareness of available options and are vulnerable to some predatory lending practices that are taking place. There is a lack of education and training on homeownership opportunities. Training on basic life skills and financial management is also needed. Discrimination is Taking Place . There is discrimination toward people with disabilities, families with children, and by race.
Some property owners violate fair housing laws.
There is a belief that there are different mortgage approval rates for whites and blacks. Homeowners insurance is sometimes denied for questionable reasons. Zoning and building code enforcement decisions limit the locations where affordable housing can be built. Increasing Deinstitutionalization is Increasing Demand for Housing . There has been an increase in demand for housing that is suitable for mentally and physically disabled and geriatric populations and people not covered by Medicaid who have been released from institutions.