Info about Fair Housing in Maryland - including housing discrimination, hate crimes, affordable housing, disabilities, segregation, mortgage lending, & others. http://www.gbchrb.org. 443.347.3701.
Tuesday, September 28, 2021
Howard County Libraries Open New Equity Resource Center About Racism, Culture, & History
The Howard County Library System on Monday unveiled a new Equity Resource Center and exhibit at the Central Branch in Columbia. The center houses a new equity collection of more than 9,000 fiction and nonfiction titles, featuring selections with themes such as the criminal justice system, emancipation, immigration and policing, according to a news release from the library system. The center, which was unveiled Monday afternoon before a crowd of community partners, also features the “Undesign the Redline” exhibit, which focuses on “redlining,” or the denial of services to residents of specific, often racially associated, communities or neighborhoods. The center aims to provide a space to educate community members on the experiences of people of different backgrounds and cultures, the library system said.
The Equity Resource Center is located on the second floor of the Central Branch at 10375 Little Patuxent Parkway in Columbia. It also will show stories received through the Brave Voices Brave Choices initiative that started earlier this year. Community members are invited to reflect on personal experiences related to racism and discrimination by contributing stories through the library system’s website.
When there is not a formal library program, class or event in the space, residents are welcome to use the space informally, the release states.
People can tour the exhibit on their own, arrange private tours by emailing redline@hclibrary.org or registering for public tours at 11 a.m. Wednesdays and 2 p.m. Saturdays.
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Source: Allana Haynes, Baltimore Sun, September 28, 2021.
Monday, September 27, 2021
UPCOMING HOUSING TRAININGS IN MARYLAND
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Thursday, September 23, 2021
Freddie Mac Study Finds Black And Latino Homeowners Are Almost Twice As Likely As Whites To Get Low Appraisals
A just-released report by Freddie Mac - a government-controlled entity that guarantees home mortgages - has found that home appraisers are more likely to undervalue homes in Black and Latino areas than those in white ones. This is just the latest evidence of significant racial inequities in housing which has directly led to lower rates of homeownership among Black and Latino households.
Michael Bradley, a senior vice president at Freddie Mac, commented:
"An appraisal falling below the contracted sale price may allow a buyer to renegotiate with a seller, but it could also mean families might miss out on the full wealth-building benefits of homeownership or may be unable to get the financing needed to achieve the American dream in the first place. This is a persistent problem that disproportionately impacts hundreds of thousands of Black and Latino applicants."
Freddie Mac's new analysis of over 12 million appraisals between 2015-2020 discovered that only 7.4% of appraisals in majority-white census tracts were below a property's contract price. This was 12.5% for Black and 15.4% for Latino census tracts, where homes were over two times as likely to be undervalued compared with those in white areas. The analysis also found that as the concentration of the Black or Latino population grew in a particular area, so did the share of undervalued appraisals.
The study reported that even when accounted for structural differences in homes and the unique characteristics of different neighborhoods, Black and Latino areas were still more likely to see lower appraisals. There was also no evidence that the disparity was caused by a small number of appraisers, the report said. The result of this disparity is evidenced by a 2018 Brookings Institution report that found that homes in Black neighborhoods are worth 23% (an average of $48,000 per home) less than similar homes in neighborhoods with few or no Black residents. Freddie Mac said that the disparities in appraisals call for more research to determine the "full root cause of the gap."
Freddie Mac is one part of an ongoing initiative, along with its sister organization Fannie Mae, the Appraisal Institute and the National Urban League, that is attempting to increase diversity in the field of residential appraisal. The reason is that as of 2018 some 85% of appraisers nationwide were white, while fewer than 2% were Black, according to a report from the Appraisal Institute.
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Source: NPR, September 23, 2021.
Wednesday, September 22, 2021
SEPTEMBER IS NATIONAL HISPANIC HERITAGE MONTH
Mexico on September 16, Chile on September 18, and Belize on September 21. Here are some key facts about Maryland’s Latino population:
- Families: 78% of households are family households.
- Languages: 78% speaks English well, 6% doesn’t speak English, and 0.7% speaks a language other than English or Spanish.
- Education: 40% of Hispanics have some college experience in 2019. Up from 38% in 2010.
- Jobs: Hispanic workforce: 208,308 jobs or 8.2% of Maryland’s workforce (Source: U.S Census Bureau, Center for Economic Studies, Longitudinal Employer-Household Dynamics, 2019).
- Income and Poverty: $74,631 median household income in 2019, up from $60,878 in 2010. 11.7% poverty rate in 2019, down from 13.7% in 2010.
electric braking system, making your train commute to work just a bit safer. (Smithsonian Education)
- The Hispanic population of Maryland constituted 643,171 - 10.6% of the state’s total population - as of July 1, 2019. Source: Census Bureau, American Community Survey 2019 1-year estimates.
- Nine counties in Maryland have a population of 10,000 or more Hispanic residents in 2019: Anne Arundel (48,798), Baltimore County (48,074), Charles (10,211), Frederick (27,367), Harford (12,215), Howard (23,882), Montgomery (210,773), Prince George’s (177,727), and Baltimore City (33,652).
- There was an increase of 4,432 from 2018 to 2019 in the number of Hispanics in Prince George’s County, the biggest jump in this population during this period. The median age of the Hispanic population, up from 28 in 2010.
- The median age of the Hispanic population in Maryland was 29 in 2019, up from 28 in 2010.
HELP STOP EVICTIONS IN MARYLAND!
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