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Race for Profit

Author: Keeanga-Yamahtta Taylor

Publisher: UNC Press Books

Published: 2019-09-03

Total Pages: 364

ISBN-13: 1469653672

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LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.

Book Synopsis Race for Profit by : Keeanga-Yamahtta Taylor

Download or read book Race for Profit written by Keeanga-Yamahtta Taylor and published by UNC Press Books. This book was released on 2019-09-03 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.

Ethnicity Housing

Author: Frederick W. Boal

Publisher: Routledge

Published: 2020-09-29

Total Pages: 253

ISBN-13: 1000156605

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This title was first published in 2000: This work has its origins in the 1995 Congress of the International Federation for Housing and Planning, held in Belfast. The theme was "Accommodating Differences". "Differences" were defined in broad terms, and included ethnic and social, economic and political differences. However, Frederick W. Boal's own interest in ethnic differences motivated him to invite a number of Congress participants to make available their papers for inclusion in this book of essays. It seeks to offer experience that can be drawn on by housing practitioners who are operating in multi-ethnic contexts. It also provides empirical material that should contribute to the development of more soundly-based theoretical insights in both urban sociology and social geography.

Book Synopsis Ethnicity Housing by : Frederick W. Boal

Download or read book Ethnicity Housing written by Frederick W. Boal and published by Routledge. This book was released on 2020-09-29 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: This title was first published in 2000: This work has its origins in the 1995 Congress of the International Federation for Housing and Planning, held in Belfast. The theme was "Accommodating Differences". "Differences" were defined in broad terms, and included ethnic and social, economic and political differences. However, Frederick W. Boal's own interest in ethnic differences motivated him to invite a number of Congress participants to make available their papers for inclusion in this book of essays. It seeks to offer experience that can be drawn on by housing practitioners who are operating in multi-ethnic contexts. It also provides empirical material that should contribute to the development of more soundly-based theoretical insights in both urban sociology and social geography.

Race Brokers

Author: Elizabeth Korver-Glenn

Publisher: Oxford University Press, USA

Published: 2021-04-08

Total Pages: 241

ISBN-13: 0190063866

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"Race Brokers examines how housing market professionals-including housing developers, real estate agents, mortgage lenders, and appraisers-construct 21st century urban housing markets in ways that contribute to or undermine racial segregation. Drawing on extensive ethnographic and interview data collected in Houston, Texas, Race Brokers shows that housing market professionals play a key role in connecting people-or refusing to connect people-to housing resources and opportunities. They make these brokering decisions through reference to racist or anti-racist ideas. Typically, housing market professionals draw from racist ideas that rank-order people and neighborhoods according to their perceived economic and cultural housing market value, entwining racism with their housing market activities and interactions. Racialized housing market routines encourage this entwinement by naturalizing racism as a professional tool. Race Brokers tracks how professionals broker racism across the housing exchange process-from the home's construction, to real estate brokerage, mortgage lending, home appraisals, and the home sale closing. In doing so, it shows that professionals make housing exchange a racialized process that contributes to neighbourhood inequality and racial segregation. However, in contrast to the racialized status-quo, a small number of housing market professionals draw on anti-racist ideas and strategies to extend equal opportunities to individuals and neighborhoods, de-naturalizing housing market racism. Race Brokers highlights the imperative to interrupt the racism that pervades housing market professionals' work, dismantle the racialized routines that underwrite such racism, and cultivate a truly fair housing market"--

Book Synopsis Race Brokers by : Elizabeth Korver-Glenn

Download or read book Race Brokers written by Elizabeth Korver-Glenn and published by Oxford University Press, USA. This book was released on 2021-04-08 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Race Brokers examines how housing market professionals-including housing developers, real estate agents, mortgage lenders, and appraisers-construct 21st century urban housing markets in ways that contribute to or undermine racial segregation. Drawing on extensive ethnographic and interview data collected in Houston, Texas, Race Brokers shows that housing market professionals play a key role in connecting people-or refusing to connect people-to housing resources and opportunities. They make these brokering decisions through reference to racist or anti-racist ideas. Typically, housing market professionals draw from racist ideas that rank-order people and neighborhoods according to their perceived economic and cultural housing market value, entwining racism with their housing market activities and interactions. Racialized housing market routines encourage this entwinement by naturalizing racism as a professional tool. Race Brokers tracks how professionals broker racism across the housing exchange process-from the home's construction, to real estate brokerage, mortgage lending, home appraisals, and the home sale closing. In doing so, it shows that professionals make housing exchange a racialized process that contributes to neighbourhood inequality and racial segregation. However, in contrast to the racialized status-quo, a small number of housing market professionals draw on anti-racist ideas and strategies to extend equal opportunities to individuals and neighborhoods, de-naturalizing housing market racism. Race Brokers highlights the imperative to interrupt the racism that pervades housing market professionals' work, dismantle the racialized routines that underwrite such racism, and cultivate a truly fair housing market"--

Ethnicity Housing: Accommodating the Differences

Author: Frederick Boal

Publisher: Taylor & Francis

Published: 2018-04-27

Total Pages: 333

ISBN-13: 135181222X

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Book Synopsis Ethnicity Housing: Accommodating the Differences by : Frederick Boal

Download or read book Ethnicity Housing: Accommodating the Differences written by Frederick Boal and published by Taylor & Francis. This book was released on 2018-04-27 with total page 333 pages. Available in PDF, EPUB and Kindle. Book excerpt: This title was first published in 2000: This work has its origins in the 1995 Congress of the International Federation for Housing and Planning, held in Belfast. The theme was "Accommodating Differences". "Differences" were defined in broad terms, and included ethnic and social, economic and political differences. However, Frederick W. Boal's own interest in ethnic differences motivated him to invite a number of Congress participants to make available their papers for inclusion in this book of essays. It seeks to offer experience that can be drawn on by housing practitioners who are operating in multi-ethnic contexts. It also provides empirical material that should contribute to the development of more soundly-based theoretical insights in both urban sociology and social geography.

Our Town

Author: David L. Kirp

Publisher: Rutgers University Press

Published: 1995

Total Pages: 300

ISBN-13: 9780813524566

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"This book is both an inspiring account of public interest law at its best and a sobering assessment of how 'the soul of suburbia' continues to resist social justice. . . . an unexpectedly moving account of hope, idealism, and intelligence." --The New York Times Book Review "A well-written, exhaustively researched account of the legal battle to open New Jersey's suburbs to the poor . . . The authors actually took the time to talk to the lawyers and litigants on both sides of the controversy. Their chronicle of the legal developments is informed, and much improved, by the flesh-and-blood stories of those who actually lived the case. . . . a cautionary and inspiring tale." --The Philadelphia Inquirer "The authors of Our Town in particular enable readers to see historical continuity in legal and popular discussions of race, realism, and housing patterns in American society. Our Town also explores the challenges to public policy raised by the existence of residential segregation patterns." --The Nation " This book] is valuable both as a case study of judicial activism and its consequences and as a detailed anaylsis of suburban attitudes regarding race, class, and property." --Urban Affairs Review

Book Synopsis Our Town by : David L. Kirp

Download or read book Our Town written by David L. Kirp and published by Rutgers University Press. This book was released on 1995 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book is both an inspiring account of public interest law at its best and a sobering assessment of how 'the soul of suburbia' continues to resist social justice. . . . an unexpectedly moving account of hope, idealism, and intelligence." --The New York Times Book Review "A well-written, exhaustively researched account of the legal battle to open New Jersey's suburbs to the poor . . . The authors actually took the time to talk to the lawyers and litigants on both sides of the controversy. Their chronicle of the legal developments is informed, and much improved, by the flesh-and-blood stories of those who actually lived the case. . . . a cautionary and inspiring tale." --The Philadelphia Inquirer "The authors of Our Town in particular enable readers to see historical continuity in legal and popular discussions of race, realism, and housing patterns in American society. Our Town also explores the challenges to public policy raised by the existence of residential segregation patterns." --The Nation " This book] is valuable both as a case study of judicial activism and its consequences and as a detailed anaylsis of suburban attitudes regarding race, class, and property." --Urban Affairs Review

Race, Ethnicity, and Minority Housing in the United States

Author: Jamshid Momeni

Publisher: Praeger

Published: 1986-12-03

Total Pages: 264

ISBN-13:

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Although there has been general improvement in America's housing since 1949, when the U.S. Congress proclaimed the goal of a decent home and suitable living environment for every American family, this stated national aim has clearly not been achieved. Substandard housing conditions are still prevalent anong various racial, ethnic, and economic groups. This book, edited by a leading population and housing scholar with contributions from nationally recognized housing experts, reviews recent data derived from census reports and housing surveys. It focuses on the reasons why the quality and quantity of housing available to blacks, Hispanics, Asian Americans, and American Indians remains significantly below standards for whites.

Book Synopsis Race, Ethnicity, and Minority Housing in the United States by : Jamshid Momeni

Download or read book Race, Ethnicity, and Minority Housing in the United States written by Jamshid Momeni and published by Praeger. This book was released on 1986-12-03 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although there has been general improvement in America's housing since 1949, when the U.S. Congress proclaimed the goal of a decent home and suitable living environment for every American family, this stated national aim has clearly not been achieved. Substandard housing conditions are still prevalent anong various racial, ethnic, and economic groups. This book, edited by a leading population and housing scholar with contributions from nationally recognized housing experts, reviews recent data derived from census reports and housing surveys. It focuses on the reasons why the quality and quantity of housing available to blacks, Hispanics, Asian Americans, and American Indians remains significantly below standards for whites.

Race, Housing and Community

Author: Harris Beider

Publisher: John Wiley & Sons

Published: 2012-03-12

Total Pages: 305

ISBN-13: 1405196963

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This book provides an important new contribution to debates around housing policy and its impact on community cohesion. There has never been a more prescient time to discuss these concepts: the book provides an interpretation of housing, race and community cohesion in a highly politicized and fluid policy context. It is designed to initiate discussion and debate but this should not be esoteric and limited to a group of academics. Rather the objective is to bridge academic and policy audiences in the hope that this fusion provides a basis for a new agenda to discuss these topics. Race and community have been key features of social housing policy over the last 20 years with many high-profile interventions, from the proactive approach by the Housing Corporation to support black and minority ethnic housing associations, to the influential Cantle Report documenting segregation in towns and cities following riots, and the National Housing Federation led Race & Housing Inquiry leading to sector wide recommendations to achieve equality. However, volume of policy interventions and reports has not been matched by academic outputs that co-ordinate, integrate and critically analyse 'race', housing and community. Housing, Race & Community Cohesion is the first systematic overview of 'race', housing and community during this tumultuous period. The material presented is robust and research based but also directly engages with issues around policy and delivery. It is designed to reflect the interests both of the academic research community and policy makers on both sides of the Atlantic. It is not rooted to specific policy interventions that could quickly date but instead focuses on developing new ways to analyse difficult issues that will help both students and practitioners now and in the future.

Book Synopsis Race, Housing and Community by : Harris Beider

Download or read book Race, Housing and Community written by Harris Beider and published by John Wiley & Sons. This book was released on 2012-03-12 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides an important new contribution to debates around housing policy and its impact on community cohesion. There has never been a more prescient time to discuss these concepts: the book provides an interpretation of housing, race and community cohesion in a highly politicized and fluid policy context. It is designed to initiate discussion and debate but this should not be esoteric and limited to a group of academics. Rather the objective is to bridge academic and policy audiences in the hope that this fusion provides a basis for a new agenda to discuss these topics. Race and community have been key features of social housing policy over the last 20 years with many high-profile interventions, from the proactive approach by the Housing Corporation to support black and minority ethnic housing associations, to the influential Cantle Report documenting segregation in towns and cities following riots, and the National Housing Federation led Race & Housing Inquiry leading to sector wide recommendations to achieve equality. However, volume of policy interventions and reports has not been matched by academic outputs that co-ordinate, integrate and critically analyse 'race', housing and community. Housing, Race & Community Cohesion is the first systematic overview of 'race', housing and community during this tumultuous period. The material presented is robust and research based but also directly engages with issues around policy and delivery. It is designed to reflect the interests both of the academic research community and policy makers on both sides of the Atlantic. It is not rooted to specific policy interventions that could quickly date but instead focuses on developing new ways to analyse difficult issues that will help both students and practitioners now and in the future.

The Housing Divide

Author: Emily Rosenbaum

Publisher: NYU Press

Published: 2007

Total Pages: 318

ISBN-13: 081477590X

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This is an examination of the generational patterns in New York City's housing market and neighbourhoods along the lines of race and ethnicity. The text provides an analysis of many immigrant groups in New York, providing an understanding of the opportunities and discriminatory practices at work from one generation to the next.

Book Synopsis The Housing Divide by : Emily Rosenbaum

Download or read book The Housing Divide written by Emily Rosenbaum and published by NYU Press. This book was released on 2007 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an examination of the generational patterns in New York City's housing market and neighbourhoods along the lines of race and ethnicity. The text provides an analysis of many immigrant groups in New York, providing an understanding of the opportunities and discriminatory practices at work from one generation to the next.