Discuss Real Estate Licensing New Jersey Real Estate Salesperson Exam Topic 3 Question 10

Which action would be allowed according to the Federal Fair Housing law?

CA lender receives notice that a loan application submitted on behalf of a client has been denied. The lender knew the borrower was well qualified, but is told that area is off limits for new loans because of its crime rate.

AA broker informs a potential seller that there is an influx of immigrants snatching up rentals in the neighborhood, so this would be a good time to sell.

DA landlord receives a rental application from a prospective tenant, who came from Russia a few years ago to attend the local university. The lender denies the rental application after asking for the prospective tenant's visa and determines that it expires in 3 months.

BBroker A meets a new Hispanic buyer client. Broker B just sold a handful of condos to other Hispanic buyers in the Kentwood neighborhood, so broker A suggests the new buyer might be comfortable in that neighborhood.

Suggested Answer: D

Under the Federal Fair Housing Act (Title VIII of the Civil Rights Act of 1968, as amended):

A = Blockbusting (illegal).

B = Steering based on ethnicity (illegal).

C = Redlining (illegal lending discrimination).

D = Immigration/visa status is not a protected class under Fair Housing law. A landlord may consider visa status as part of ability to fulfill lease obligations.

Thus, the only action permitted under Fair Housing is D.

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26 comments · newest first

Giovanna 3 months ago

Exactly! Can't deny someone based on race or gender.

Alida 3 months ago

Right! Everyone deserves a fair chance.

Alba 3 months ago

Yeah, no discrimination in housing.

Benedict 4 months ago

I think it's about equal treatment.

Tyisha 5 months ago

I thought it was just about renting, not buying too?

Slyvia 5 months ago

Gender and disability are also protected!

Stephaine 5 months ago

Wait, are there really no exceptions?

Gail 6 months ago

Totally agree, it's a fundamental right!

Elden 6 months ago

You can't discriminate based on race or color.

Dierdre 6 months ago

Discriminating against someone based on their national origin is a big no-no according to the Federal Fair Housing law.

Nickolas 6 months ago

The Federal Fair Housing law is like a game of Tetris, you gotta fit the right pieces together.

Paulina 6 months ago

Haha, the Federal Fair Housing law is like a secret handshake - you gotta know the right moves to make!

Halina 6 months ago

Refusing to rent to someone based on their race or religion would not be allowed under the Federal Fair Housing law.

Tina 7 months ago

The Federal Fair Housing law allows for reasonable accommodations for individuals with disabilities.

Cheryll 7 months ago

I remember discussing that the law prohibits discrimination based on race, color, religion, sex, or national origin. But I'm not sure what actions are explicitly allowed.

Jaime 7 months ago

I feel like there are specific exceptions to the Fair Housing law, but I can't recall them all. I hope this question is straightforward.

Sherita 8 months ago

I practiced a similar question last week, and I believe it was about reasonable accommodations for disabilities. That might be allowed under the law.

Almeta 8 months ago

I think the Fair Housing law allows for certain actions, but I'm not completely sure which ones. I remember something about discrimination being illegal.

Shanda 8 months ago

I'm a little unsure about the nuances here. I'll need to carefully read through the question and think critically about the different scenarios that could be allowed or prohibited.

Staci 8 months ago

Fair housing can be a complex topic, but I'm going to give this my best shot. I'll try to apply my understanding of the key principles.

Kallie 8 months ago

Okay, let me break this down step-by-step. I'll review the main provisions of the law and consider how they relate to the different possible actions mentioned in the question.

Sharika 9 months ago

Hmm, this is a tricky one. I'll need to think through the specifics of the fair housing act and how it applies to different housing situations.

Luisa 9 months ago

I think I know the basics of fair housing laws, so I'll start by recalling the key protected classes and prohibited discriminatory actions.

Arminda 2 months ago

↳ replying to Luisa

Exactly! And discrimination in renting or selling is not allowed.

Argelia 3 months ago

↳ replying to Luisa

Sure! Race, color, religion, sex, national origin, disability, and familial status.

Glory 3 months ago

↳ replying to Luisa

Can you name the protected classes?

Real Estate Licensing New Jersey Real Estate Salesperson Exam - Topic 3 Question 10 Discussion