Black Lives Matter? Statistics Show That They Do.....

[floridays]

No you don’t. Again, I suggest you look up the 1968 civil rights bill and look at what the FHA was doing to banks that caused them to redline.
Knowledge is a google search away.

I'll try and be very nice to you, as I have with others before and walk you through this. Lets say you are a personal lender and you are attempting to gain a return on your investment, will you lend money to a person to purchase a property in a war zone? Simple question, yes or no will suffice.

 

[floridays]

Subject doesn't matter. You have no balls or credibility.

Name the subject. I'll take the fact that you say I have no credibility as a compliment. I can be mean and say your high school diploma is equal to what a person passing to middle school was worth 60 years ago, but I won't.
On a comical note, I have proof of nuts, 2 sons. You have said you have no kids, I did ask you if you had any aborted kids, which you neglected to reply. That being said, lets not play the who has the larger balls game, it can't be proven anyway.

 

[DriveInDriveOut]

you guys really need to put the florida swamp troll on ignore
seriously, the guy is complete garbage

 

[floridays]

Lol, you really want to make this personal?

All I’m saying is remain uninformed or you can learn and know.

But it’s up to you.

Look buddy, I haven't made anything personal with you. I simply called you on your BS. You want to see what personal looks like, check out Makavelli's and my interaction currently.

 

[refineryworker05]

I'll try and be very nice to you, as I have with others before and walk you through this. Lets say you are a personal lender and you are attempting to gain a return on your investment, will you lend money to a person to purchase a property in a war zone? Simple question, yes or no will suffice.

You can’t walk me through anything because you don’t get how the US mortgage market works.

You really think banks would lend people money for homes for 30 years and with low down payments and low interest rates without the government insuring they’ll get paid?

The modern US housing market was created by the. FHA. The FHA told banks we won’t insure these 30 year home loans with low down payments an$ low interest rates if you lend in certain neighborhoods. The FHA then created color coded neighborhoods along strictly racial lines and said don’t give out loans in the red areas. Thus redlining.
This meant the people in the redlined areas would find it nearly impossible to secure a home loan while the FHA was ensuring those loans were available for white Americans.

It was a massively racist government policy because the FHA as official policy strove to create what it termed racially homogeneous neighborhoods that actually helped create racially segregated neighborhoods all across America because the introduction of black families into your neighborhoods would get it redlined and no one would be able to get home loans.

And it also was was the American government systematically allowing white Americans to buy homes and build wealth while denying it to black Americans.

That’s what redlining is in America.

 

[floridays]

you guys really need to put the florida swamp troll on ignore
seriously, the guy is complete garbage

Their balls are larger than your ovaries. No one is dying because of keystrokes. You can rest safely, you've ignored me, that is all you should be concerned with. 10 dollars says you come here without logging in. How else would you know to name me in a post?

 

[floridays]

You can’t walk me through anything because you don’t get how the US mortgage market works.

You really think banks would lend people money for homes for 30 years and with low down payments and low interest rates without the government insuring they’ll get paid?

The modern US housing market was created by the. FHA. The FHA told banks we won’t insure these 30 year home loans with low down payments an$ low interest rates if you lend in certain neighborhoods. The FHA then created color coded neighborhoods along strictly racial lines and said don’t give out loans in the red areas. Thus redlining.
This meant the people in the redlined areas would find it nearly impossible to secure a home loan while the FHA was ensuring those loans were available for white Americans.

It was a massively racist government policy that actually help create racially segregated neighborhoods because the introduction of black families into your neighborhoods would get it redlined anD no one would be able to get home loans.

And it also was was the American government systematically allowing white Americans to buy homes and build wealth while denying it to black Americans.

That’s what redlining is in America.

You went to a yawn with that. You wouldn't walk through it because I would explode your premise.

 

[refineryworker05]

Look buddy, I haven't made anything personal with you. I simply called you on your BS. You want to see what personal looks like, check out Makavelli's and my interaction currently.

lol ok buddy. Smh

 

[refineryworker05]

You went to a yawn with that. You wouldn't walk through it because I would explode your premise.

Carry on.

 

[floridays]

lol ok buddy. Smh

keep shaking your head

 

[floridays]

Carry on.

I'll give you one more try.
1. Is a mortgage company in business to turn a profit?
2. Would a mortgage company offer a mortgage to a white couple in these red lined areas with all things being equal to what a black couple was offering for the same mortgage?

 

[It will be fine]

Lol, you really want to make this personal?

All I’m saying is remain uninformed or you can learn and know.

But it’s up to you.

He makes everything personal. He can’t win any argument on merit so he attacks the poster.

 

[vantexan]

You can’t walk me through anything because you don’t get how the US mortgage market works.

You really think banks would lend people money for homes for 30 years and with low down payments and low interest rates without the government insuring they’ll get paid?

The modern US housing market was created by the. FHA. The FHA told banks we won’t insure these 30 year home loans with low down payments an$ low interest rates if you lend in certain neighborhoods. The FHA then created color coded neighborhoods along strictly racial lines and said don’t give out loans in the red areas. Thus redlining.
This meant the people in the redlined areas would find it nearly impossible to secure a home loan while the FHA was ensuring those loans were available for white Americans.

It was a massively racist government policy because the FHA as official policy strove to create what it termed racially homogeneous neighborhoods that actually helped create racially segregated neighborhoods all across America because the introduction of black families into your neighborhoods would get it redlined and no one would be able to get home loans.

And it also was was the American government systematically allowing white Americans to buy homes and build wealth while denying it to black Americans.

That’s what redlining is in America.

You forget, or conveniently leave out, that there are anti-discrimination laws and it wouldn't take long before it became obvious that lenders were denying blacks based on race. Not saying it didn't happen, saying it's been awhile. Not the case now. If however a Black buyer doesn't have the means necessary to make a down payment he will be denied. The world has changed a lot since the real estate bubble burst. It's a lot tougher to get a loan these days. And granting millions of mortgages to unqualified buyers because of pressure put on the banks by Christopher Dodd and Barney Frank is what started the eventual bubble bursting. Again Democrats, who lambast banks and other corporations all the time, demonstrated a fundamental lack of knowledge about how markets work but they just want what they want, market collapses be damned.

 

[vantexan]

He makes everything personal. He can’t win any argument on merit so he attacks the poster.

And you're winning on merit? smh

 

[DriveInDriveOut]

granting millions of mortgages to unqualified buyers because of pressure put on the banks by Christopher Dodd and Barney Frank is what started the eventual bubble bursting. Again Democrats, who lambast banks and other corporations all the time, demonstrated a fundamental lack of knowledge about how markets work but they just want what they want, market collapses be damned.

wrong

 

[vantexan]

wrong

Way to play, way to be.

 

[floridays]

And you're winning on merit? smh

Hey aren't you the guy they call a child raping pervert?

 

[refineryworker05]

You forget, or conveniently leave out, that there are anti-discrimination laws and it wouldn't take long before it became obvious that lenders were denying blacks based on race. Not saying it didn't happen, saying it's been awhile. Not the case now. If however a Black buyer doesn't have the means necessary to make a down payment he will be denied. The world has changed a lot since the real estate bubble burst. It's a lot tougher to get a loan these days. And granting millions of mortgages to unqualified buyers because of pressure put on the banks by Christopher Dodd and Barney Frank is what started the eventual bubble bursting. Again Democrats, who lambast banks and other corporations all the time, demonstrated a fundamental lack of knowledge about how markets work but they just want what they want, market collapses be damned.

Lol, I don’t understand this response.

One poster was claiming to know what redlining was in America. The poster says it was simply banks refusing to lend in high risk neighborhoods whatever that means and the federal government had no role in it.

I then detail how redlining was actually created by the US government housing policy through the fha, and how it systematically denied home ownership to black Americans, helped create residential racial segregation, and helped white Americans build wealth while denying it to black Americans, and the response I get is to say what I didn’t mention. What I am claimed not to have mentioned wasn’t the topic of my post.

this thing of comparing the past and the present is irrelevant and uninformed without doing reading on housing discrimination. Without reading about redlining cases from the past or the present, without looking up the banks being charged with redlining or racial discrimination or the studies that show housing discrimination, saying what does or doesn’t occur now in the US housing market without actually reading about the topic is just spouting uninformed garbage.

Please gain knowledge. Do some reading on these topics or not, but you are glaringly ignorant about the wide spread extent of housing discrimination in America.

 

[floridays]

Lol, I don’t understand this response.

One poster was claiming to know what redlining was in America. The poster says it was simply banks refusing to lend in high risk neighborhoods whatever that means and the federal government had no role in it.

I then detail how redlining was actually created by the US government housing policy through the fha, and how it systematically denied home ownership to black Americans, helped create residential racial segregation, and helped white Americans build wealth while denying it to black Americans, and the response I get is to say what I didn’t mention. What I am claimed not to have mentioned wasn’t the topic of my post.

this thing of comparing the past and the present is irrelevant and uninformed without doing reading on housing discrimination. Without reading about redlining cases from the past or the present, without looking up the banks being charged with redlining or racial discrimination or the studies that show housing discrimination, saying what does or doesn’t occur now in the US housing market without actually reading about the topic is just spouting uninformed garbage.

Please gain knowledge. Do some reading on these topics or not, but you are glaringly ignorant about the wide spread extent of housing discrimination in America.

Is redlining a problem in any of these neighborhoods?

https://www.theroot.com/living-it-up-10-affluent-black-neighborhoods-1790868480

 

[floridays]

Lol, I don’t understand this response.

One poster was claiming to know what redlining was in America. The poster says it was simply banks refusing to lend in high risk neighborhoods whatever that means and the federal government had no role in it.

I then detail how redlining was actually created by the US government housing policy through the fha, and how it systematically denied home ownership to black Americans, helped create residential racial segregation, and helped white Americans build wealth while denying it to black Americans, and the response I get is to say what I didn’t mention. What I am claimed not to have mentioned wasn’t the topic of my post.

this thing of comparing the past and the present is irrelevant and uninformed without doing reading on housing discrimination. Without reading about redlining cases from the past or the present, without looking up the banks being charged with redlining or racial discrimination or the studies that show housing discrimination, saying what does or doesn’t occur now in the US housing market without actually reading about the topic is just spouting uninformed garbage.

Please gain knowledge. Do some reading on these topics or not, but you are glaringly ignorant about the wide spread extent of housing discrimination in America.

Red lined also?

10 of The Most Affluent African American Suburbs In The Nation

I apologize for asking too many questions, its called the Socratic method
@It will be fine @Sportello, after that question is answered maybe we can do a compare and contrast and get to the root of this redlining.